3195 Northerton CtButler TownshipOH45414
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3195 Northerton Ct, Butler Township, OH, 45414 in Butler Township fits: $364,900, 4.56% gross yield, and a projected 5% annual appreciation rate adding $100,815 in value within five years. Rental yield 4.56%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.85) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,361/yr in principal paydown and $100,815 in appreciation project a total return of $72,052.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(1,042) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,387 |
| Total Monthly Debt Service | $2,284 |
| DSCR Ratio | 0.61x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 2026
N/A lot
$N/A/sqft
$345 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45414, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,538 (100%) |
| Owner Occupied HU | 5,904 (61.9%) |
| Renter Occupied HU | 3,018 (31.6%) |
| Vacant Housing Units | 616 ( 6.5%) |
| Median Home Value | $224,286 |
| Average Home Value | $231,108 |
Housing Distribution
Address Breakdown
Residential
9,372
Single Family
8,900
Multi-Family
472
Businesses
1,116
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
Single Family
Built in 2026
N/A lot
$N/A/sqft
$345 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45414, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,538 (100%) |
| Owner Occupied HU | 5,904 (61.9%) |
| Renter Occupied HU | 3,018 (31.6%) |
| Vacant Housing Units | 616 ( 6.5%) |
| Median Home Value | $224,286 |
| Average Home Value | $231,108 |
Housing Distribution
Address Breakdown
Residential
9,372
Single Family
8,900
Multi-Family
472
Businesses
1,116
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James McKinney • D.R. Horton Realty of Ohio Inc
Mls Name: DABR MLS
Mls Provider:
Mls ID: #957301
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.