226 McDaniel St APT 130DaytonOH45405
INVESTMENT ANALYSIS
Investment Verdict
Solid Income226 McDaniel St APT 130, Dayton, OH, 45405 in Dayton carries a 1.76 coverage ratio, rent of $1,008/mo is 1.76 times the $573/mo payment. Rental yield 9.49%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $127,500 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $35,226; total projected cumulative return: $59,520.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 8.1% |
| Monthly Cash Flow | $(159) | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,008 |
| Total Monthly Debt Service | $788 |
| DSCR Ratio | 1.28x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1886
749.23 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45405, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,144 (100%) |
| Owner Occupied HU | 3,013 (29.7%) |
| Renter Occupied HU | 5,164 (50.9%) |
| Vacant Housing Units | 1,967 (19.4%) |
| Median Home Value | $79,735 |
| Average Home Value | $143,361 |
Housing Distribution
Address Breakdown
Residential
8,755
Single Family
6,568
Multi-Family
2,187
Businesses
344
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Condo
Built in 1886
749.23 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45405, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,144 (100%) |
| Owner Occupied HU | 3,013 (29.7%) |
| Renter Occupied HU | 5,164 (50.9%) |
| Vacant Housing Units | 1,967 (19.4%) |
| Median Home Value | $79,735 |
| Average Home Value | $143,361 |
Housing Distribution
Address Breakdown
Residential
8,755
Single Family
6,568
Multi-Family
2,187
Businesses
344
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices