3981 Carmela Ct WBellbrookOH45305
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 3981 Carmela Ct W, Bellbrook, OH, 45305 in Bellbrook: $4,061/mo in rent, $1,115/mo net, 10.95% gross yield, all on a $445,000 acquisition. The 2.03 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $122,945 in value, and $4,098/yr in principal paydown steadily builds equity. Projected total cumulative return: $241,370.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $1,115 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,061 |
| Total Monthly Debt Service | $2,769 |
| DSCR Ratio | 1.47x |
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 2001
0.39 Acres lot
$N/A/sqft
$225 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45305, Bellbrook, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,977 (100%) |
| Owner Occupied HU | 3,780 (75.9%) |
| Renter Occupied HU | 1,026 (20.6%) |
| Vacant Housing Units | 171 ( 3.4%) |
| Median Home Value | $373,891 |
| Average Home Value | $429,979 |
Housing Distribution
Address Breakdown
Residential
4,657
Single Family
4,517
Multi-Family
140
Businesses
318
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 2001
0.39 Acres lot
$N/A/sqft
$225 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45305, Bellbrook, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,977 (100%) |
| Owner Occupied HU | 3,780 (75.9%) |
| Renter Occupied HU | 1,026 (20.6%) |
| Vacant Housing Units | 171 ( 3.4%) |
| Median Home Value | $373,891 |
| Average Home Value | $429,979 |
Housing Distribution
Address Breakdown
Residential
4,657
Single Family
4,517
Multi-Family
140
Businesses
318
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices