3693 Mandalay DrDaytonOH45416
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3693 Mandalay Dr, Dayton, OH, 45416 in Dayton at $175,000 earns $1,345/mo in rent and nets $194/mo after the $787/mo payment, a 9.22% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $48,349 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,612/yr in principal paydown, total projected return reaches $79,149.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.1% |
| Monthly Cash Flow | $194 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,345 |
| Total Monthly Debt Service | $1,082 |
| 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.
Single Family
Built in 1961
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45416, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,463 (100%) |
| Owner Occupied HU | 1,173 (47.6%) |
| Renter Occupied HU | 1,013 (41.1%) |
| Vacant Housing Units | 277 (11.2%) |
| Median Home Value | $96,053 |
| Average Home Value | $158,378 |
Housing Distribution
Address Breakdown
Residential
2,460
Single Family
2,400
Multi-Family
60
Businesses
122
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 1961
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45416, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,463 (100%) |
| Owner Occupied HU | 1,173 (47.6%) |
| Renter Occupied HU | 1,013 (41.1%) |
| Vacant Housing Units | 277 (11.2%) |
| Median Home Value | $96,053 |
| Average Home Value | $158,378 |
Housing Distribution
Address Breakdown
Residential
2,460
Single Family
2,400
Multi-Family
60
Businesses
122
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices