DSCR Loans Dayton, Ohio
Finance a Dayton rental on the property’s cash flow – not your tax returns. An aerospace and defense hub anchored by Wright-Patterson Air Force Base, with the University of Dayton and very affordable, high-yield housing. We qualify Dayton investors on rent with up to 85% LTV.
- Qualify on the property’s rent — no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- Oregon District, near University of Dayton, South Park & more
- SFR, Condo, 2–4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Dayton DSCR Loans — Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property’s rent ÷ payment (DSCR), not your personal income.
- Market: Montgomery County. Median about about $150,000 with rents roughly about $1,000-$1,450; Wright-Patterson Air Force Base, aerospace and defense, and the University of Dayton drive steady, high-yield rental demand.
- Max LTV: Up to 85% (purchase) · 75–80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720–780+). Rates: from 5.75%.
- Ohio note: Ohio’s property taxes vary by county and school district (about 1.6%-2.0%), so accurate tax underwriting is key for a Dayton DSCR – we model the real bill.
- Lender: CambridgeHomeLoan.com — direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in Dayton
What is a DSCR loan in Dayton, Ohio?
A Dayton DSCR loan qualifies on the property’s rent divided by its full payment (PITIA), not your income. Dayton sits in Montgomery County and draws tenants from An aerospace and defense hub anchored by Wright-Patterson Air Force Base, with the University of Dayton and very affordable, high-yield housing. Wright-Patterson Air Force Base, aerospace and defense, and the University of Dayton drive steady, high-yield rental demand. We qualify Dayton rentals on the property’s rent divided by its full payment (PITIA), so you can scale without tax returns.
Dayton investor playbook
How to play the Dayton rental market
Dayton is a dependable high-yield market anchored by Wright-Patterson Air Force Base – one of Ohio’s largest single-site employers – plus a deep aerospace and defense-contractor base and the University of Dayton. The Oregon District and South Park offer historic value-add, the blocks near UD are prime student rentals, and homes near Wright-Patt see steady, PCS-driven turnover that also supports furnished and mid-term leases for TDY personnel and contractors.
Montgomery County taxes are affordable by Ohio standards, which helps these deals pencil at strong DSCRs. Verify any local rental registration for the specific municipality, and remember that military demand is seasonal around PCS cycles – build a realistic vacancy assumption for furnished niches. Steady defense employment makes Dayton one of the more recession-resistant cash-flow markets in the state.
Worked example: a $112,000 South Park single renting at $1,250 with about $2,400 taxes and $1,500 insurance clears roughly a 1.1x-1.2x DSCR – solid qualifying room at today’s rates.
Dayton market data
Dayton rental market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Median sale price (2026) | about $150,000 |
| Avg. monthly rent (2026) | about $1,000-$1,450 |
| Property tax (effective) | about 1.6%-2.0% |
| Insurance | Standard – Midwest; winter coverage |
| Investor angle | Wright-Patt AFB & UD; affordable high-yield |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Dayton neighborhoods
Where Dayton rentals pencil for DSCR
Dayton rents and DSCR vary by submarket – here is where deals tend to pencil:
| Submarket | Typical monthly rent (2026)* | DSCR outlook |
|---|---|---|
| Oregon District | $1,200-$1,650 | Trendy value-add |
| near University of Dayton | $1,200-$1,700 | Prime student rental |
| South Park | $1,100-$1,550 | Historic value-add |
| Belmont | $1,050-$1,500 | Family SFR |
| Huber Heights border | $1,150-$1,600 | Suburban SFR |
| near Wright-Patt | $1,100-$1,550 | Military rentals |
*Approximate 2026 ranges for illustration — verify current rents for the specific address (an appraiser Form 1007 sets the qualifying figure).
Free tool
Dayton rent & DSCR calculator
Enter the property’s monthly rent, your loan, and carrying costs to estimate your DSCR (rent ÷ PITIA) and monthly cash flow. Illustrative only; final DSCR uses the appraiser’s Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (Montgomery County)
Illustrative only; not a rate quote or commitment to lend. We confirm rent with a Form 1007.
Rates
Dayton DSCR rate tiers (2026)
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% — strongest pricing |
| Tier 2 (720–779, ≤75% LTV) | ~6.25–7.00% |
| Tier 3 (660–719, ≤80% LTV) | ~7.00–7.75% |
| Tier 4 (620–659, up to 85% LTV) | ~7.75–8.50% |
Illustrative tiers, subject to change and underwriting. Not a rate quote.
Ohio underwriting
Ohio property taxes & your Dayton DSCR
Ohio property taxes vary widely by county and school district – commonly about 1.6%-2.0% in the Montgomery County area. Because DSCR is rent divided by full PITIA, the tax bill is a major swing factor in a Dayton deal. We underwrite the real assessed tax bill and a real insurance quote so your Dayton DSCR is accurate.
| Effective property tax | about 1.6%-2.0% (verify per parcel + exemptions) |
| Impact on DSCR | School-district taxes swing DSCR – budget the real assessed bill |
| Insurance | Standard – Midwest; winter coverage |
| How we help | We model the true tax + insurance so your DSCR is accurate up front |
Requirements
Dayton DSCR loan requirements
| Down payment | Typically 20–25% (purchase) |
| Credit | 620+ FICO; best pricing at 720–780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3–6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
Dayton DSCR loan FAQ
Why invest in Dayton?
An aerospace and defense hub anchored by Wright-Patterson Air Force Base, with the University of Dayton and very affordable, high-yield housing. Wright-Patterson Air Force Base, aerospace and defense, and the University of Dayton drive steady, high-yield rental demand.
Do you finance 2-4 unit and condo rentals in Dayton?
Yes. Dayton is a solid single-family, student rental and 2-4 unit market; SFR, condo, 2-4 unit, and small multifamily are all eligible, qualified on rent divided by PITIA.
How do Ohio taxes affect my Dayton DSCR?
Ohio property taxes vary by county and school district (about about 1.6%-2.0% effective here). We underwrite the actual assessed tax bill and a real insurance quote so your DSCR is accurate.
Can I close in an LLC as a Dayton investor?
Yes. We lend to individuals, LLCs, and entities, and to foreign nationals, with no cap on the number of financed properties.
Dayton economy & investor demand
Why Dayton rentals stay in demand
Dayton’s economy is anchored by Wright-Patterson Air Force Base – one of the largest single-site employers in Ohio – plus a deep aerospace and defense-contractor base and the University of Dayton. That combination of stable military and defense demand, student housing, and very low entry prices makes Dayton a dependable high-yield cash-flow market with steady, recession-resistant tenant demand.
Ohio markets
DSCR loans across Ohio
We finance rentals statewide. Start with the Ohio hub, then explore nearby markets – each with local rents, taxes, and submarket detail:
Keep exploring
Related Dayton & Ohio investor loans
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change without notice, and subject to borrower and property qualification and underwriting approval. Rental income and property-tax figures are estimates for illustration only and are confirmed per property (Form 1007 appraisal and the actual assessed tax bill). This page is informational and does not constitute financial, legal, tax, or investment advice.