Willow II Plan, Cornerstone VillasDaytonOH45440
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, Willow II Plan, Cornerstone Villas, Dayton, OH, 45440 in Dayton offers a clean, manageable entry. Rental yield 6.15%. DSCR 1.14 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $101,920 in additional property value over five years, with $3,398/yr in principal equity building ownership stake. Total projected cumulative return: $92,517.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 8.1% |
| Monthly Cash Flow | $(762) | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,890 |
| Total Monthly Debt Service | $2,505 |
| DSCR Ratio | 0.75x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
N/A lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45440, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,020 (100%) |
| Owner Occupied HU | 6,580 (59.7%) |
| Renter Occupied HU | 3,849 (34.9%) |
| Vacant Housing Units | 591 ( 5.4%) |
| Median Home Value | $272,237 |
| Average Home Value | $307,540 |
Housing Distribution
Address Breakdown
Residential
10,910
Single Family
7,932
Multi-Family
2,978
Businesses
530
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 2026
N/A lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45440, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,020 (100%) |
| Owner Occupied HU | 6,580 (59.7%) |
| Renter Occupied HU | 3,849 (34.9%) |
| Vacant Housing Units | 591 ( 5.4%) |
| Median Home Value | $272,237 |
| Average Home Value | $307,540 |
Housing Distribution
Address Breakdown
Residential
10,910
Single Family
7,932
Multi-Family
2,978
Businesses
530
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices