35 Vincent StDaytonOH45405
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 35 Vincent St, Dayton, OH, 45405 in Dayton at $185,900 earns $1,421/mo in rent and nets $198/mo after the $836/mo payment, a 9.17% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $51,361 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $1,712/yr in principal paydown, total projected return reaches $83,605.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.1% |
| Monthly Cash Flow | $198 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,421 |
| Total Monthly Debt Service | $1,149 |
| 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.
Multi Family
Built in 1896
9,500 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
Multi Family
Built in 1896
9,500 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