266 Briarcliff Rd Dayton, OH 45415
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About this home
Two Units. One Purchase. Strong ROI. For investors looking to maximize cash flow and long-term value, this property checks all the right boxes. With two fully separate homes on a single lot, it’s a ready-made addition to any rental portfolio. Together, the units offer 4 bedrooms, 2 full baths, and more than 1,600 sq ft of rentable space—individually metered for utilities, reducing landlord expenses and giving tenants full control of their own usage. The front residence (3 bed/1 bath, 1,044 sq ft) has already been updated with refinished hardwood floors, new carpet, fresh paint, updated windows (2024), and a newer roof (2021). A refreshed bath and bright main living area increase tenant appeal, while the full basement provides laundry, storage, or finishing potential. The rear residence (1 bed/1 bath) is a true income generator—potentially generating over $900/month. With its own entrance, new front porch, and updated HVAC (2023), it’s turn-key and ready for your next tenant. Additional features like an oversized garage, carport, and deep lot enhance tenant satisfaction and retention. Situated on a quiet street close to amenities, this setup balances steady rental income with strong appreciation potential. Investor takeaway: Two rentable homes, low overhead, and built-in income streams. Rarely do properties this portfolio-ready hit the market—secure it before it’s gone.
Source: DAYTON #940900
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.