42 Bell StDaytonOH45403
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 42 Bell St, Dayton, OH, 45403 in Dayton. Priced at $199,999, it generates $2,042/mo in gross rent and $727/mo in net monthly cash flow, a 12.25% yield that comfortably supports the 2.27 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,722. Five-year appreciation: $55,256. Equity from principal paydown: $1,842/yr. Total projected cumulative return: $122,962.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 8.1% |
| Monthly Cash Flow | $727 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,042 |
| Total Monthly Debt Service | $1,236 |
| DSCR Ratio | 1.65x |
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 1888
2,678 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45403, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,031 (100%) |
| Owner Occupied HU | 2,662 (37.9%) |
| Renter Occupied HU | 3,293 (46.8%) |
| Vacant Housing Units | 1,076 (15.3%) |
| Median Home Value | $80,714 |
| Average Home Value | $125,264 |
Housing Distribution
Address Breakdown
Residential
6,243
Single Family
5,847
Multi-Family
396
Businesses
383
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 1888
2,678 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45403, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,031 (100%) |
| Owner Occupied HU | 2,662 (37.9%) |
| Renter Occupied HU | 3,293 (46.8%) |
| Vacant Housing Units | 1,076 (15.3%) |
| Median Home Value | $80,714 |
| Average Home Value | $125,264 |
Housing Distribution
Address Breakdown
Residential
6,243
Single Family
5,847
Multi-Family
396
Businesses
383
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices