623 Macmillan DrDaytonOH45426
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 623 Macmillan Dr, Dayton, OH, 45426 in Dayton. At $204,900 it earns $1,752/mo in rent and distributes $404/mo to the owner after the $921/mo payment, a consistent 10.26% yield. DSCR 1.90 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $56,610 in value; $1,887/yr in principal paydown compounds ownership stake. Total projected return: $104,112.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.1% |
| Monthly Cash Flow | $404 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,752 |
| Total Monthly Debt Service | $1,266 |
| DSCR Ratio | 1.38x |
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
10,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45426, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,751 (100%) |
| Owner Occupied HU | 3,389 (43.7%) |
| Renter Occupied HU | 3,221 (41.6%) |
| Vacant Housing Units | 1,141 (14.7%) |
| Median Home Value | $146,094 |
| Average Home Value | $179,051 |
Housing Distribution
Address Breakdown
Residential
7,145
Single Family
5,843
Multi-Family
1,302
Businesses
359
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 2 Bed
- 1 Bath
- 866 sft
- 2 Bed
- 1 Bath
- 866 sft
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
10,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45426, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,751 (100%) |
| Owner Occupied HU | 3,389 (43.7%) |
| Renter Occupied HU | 3,221 (41.6%) |
| Vacant Housing Units | 1,141 (14.7%) |
| Median Home Value | $146,094 |
| Average Home Value | $179,051 |
Housing Distribution
Address Breakdown
Residential
7,145
Single Family
5,843
Multi-Family
1,302
Businesses
359
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 2 Bed
- 1 Bath
- 866 sft
- 2 Bed
- 1 Bath
- 866 sft