4210 White Oak DrDaytonOH45432
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 4210 White Oak Dr, Dayton, OH, 45432 in Dayton, $297,900, 8.41% gross yield, $128/mo net income. Consider it a market-entry position, the $2,088/mo rent covers the $1,340/mo payment with a margin, and 5%/yr appreciation is projected to add $82,304 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.56) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $121,727.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.1% |
| Monthly Cash Flow | $128 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,088 |
| Total Monthly Debt Service | $1,841 |
| DSCR Ratio | 1.13x |
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 1959
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45432, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,377 (100%) |
| Owner Occupied HU | 4,618 (72.4%) |
| Renter Occupied HU | 1,475 (23.1%) |
| Vacant Housing Units | 284 ( 4.5%) |
| Median Home Value | $205,604 |
| Average Home Value | $242,856 |
Housing Distribution
Address Breakdown
Residential
6,528
Single Family
5,815
Multi-Family
713
Businesses
462
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 1959
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45432, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,377 (100%) |
| Owner Occupied HU | 4,618 (72.4%) |
| Renter Occupied HU | 1,475 (23.1%) |
| Vacant Housing Units | 284 ( 4.5%) |
| Median Home Value | $205,604 |
| Average Home Value | $242,856 |
Housing Distribution
Address Breakdown
Residential
6,528
Single Family
5,815
Multi-Family
713
Businesses
462
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices