3103 Cloister LnDaytonOH45449
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 3103 Cloister Ln, Dayton, OH, 45449 in Dayton at $122,500 earns $1,391/mo in rent and nets $174/mo after the $551/mo payment, a 12.84% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $33,844 over five years. Ziffy Mortgage underwrites this on a 2.52 DSCR without U.S. credit history. With $1,128/yr in principal paydown, total projected return reaches $62,354.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 8.1% |
| Monthly Cash Flow | $174 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,391 |
| Total Monthly Debt Service | $1,123 |
| DSCR Ratio | 1.24x |
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 1973
1,385 sqft lot
$N/A/sqft
$362 monthly HOA
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 1973
1,385 sqft lot
$N/A/sqft
$362 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dana Lynn Chillinsky • Irongate Inc.
Mls Name: DABR MLS
Mls Provider:
Mls ID: #941665
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Copyright Dayton Area Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.