3428 Kemp RdDaytonOH45431
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3428 Kemp Rd, Dayton, OH, 45431 in Dayton worth study. Rental yield 5.93%. The 5.93% gross yield is below cash-flow benchmarks at $274,000, but 5% annual appreciation, adding $75,701 over five years, frames this as a capital growth position. Rent of $1,403/mo partially offsets the $1,232/mo payment. Ziffy Mortgage finances appreciation-play properties (1.14 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $78,682.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 8.1% |
| Monthly Cash Flow | $(465) | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,403 |
| Total Monthly Debt Service | $1,693 |
| DSCR Ratio | 0.83x |
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 1940
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45431, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,608 (100%) |
| Owner Occupied HU | 5,949 (47.2%) |
| Renter Occupied HU | 5,543 (44.0%) |
| Vacant Housing Units | 1,116 ( 8.9%) |
| Median Home Value | $222,796 |
| Average Home Value | $247,665 |
Housing Distribution
Address Breakdown
Residential
12,441
Single Family
11,226
Multi-Family
1,215
Businesses
672
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 1940
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45431, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,608 (100%) |
| Owner Occupied HU | 5,949 (47.2%) |
| Renter Occupied HU | 5,543 (44.0%) |
| Vacant Housing Units | 1,116 ( 8.9%) |
| Median Home Value | $222,796 |
| Average Home Value | $247,665 |
Housing Distribution
Address Breakdown
Residential
12,441
Single Family
11,226
Multi-Family
1,215
Businesses
672
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices