Markets Wobble as Tariff Fears Resurface

U.S. stock futures dipped on Monday, with the S&P 500, Nasdaq, and Dow Jones all opening lower, as President Trump's renewed tariff threats reignited trade war concerns. The proposed 100% tariff on foreign-made films particularly impacted media stocks, causing significant declines in companies like Disney and Netflix.

Small Businesses Remain Resilient Amid Economic Uncertainty

Despite the challenging economic landscape, a recent GoDaddy survey reveals that 42% of U.S. small business owners report being "very" happy with their ventures . Many entrepreneurs are adapting by shifting strategies, with half of them modifying their operations to navigate the current economic pressures.

Federal Reserve Maintains Interest Rates Amid Tariff Turmoil

The Federal Reserve is expected to keep interest rates steady at 4.25%-4.50% during its upcoming meeting, as policymakers grapple with the economic implications of President Trump's extensive tariffs. The tariffs have contributed to a 0.3% contraction in U.S. GDP last quarter, though consumer spending and job growth remain resilient

Housing Market Faces Headwinds from Trade Policies

The housing sector is experiencing challenges as construction costs rise due to tariffs on imported materials, and interest rates remain elevated. These factors are contributing to a slowdown in homebuilding and sales, particularly in regions heavily reliant on imported construction goods.

Entrepreneurial Achievements Recognized

Adam Goldenberg, CEO of Fabletics, has been named a finalist for EY's Entrepreneur Of The Year 2025 Greater Los Angeles Award, highlighting his contributions to the activewear industry

Additionally, a team from Oklahoma State University won the 2025 Entrepreneur’s Cup for their innovative 3D printing technology, showcasing the potential of student-led startups.

Global Trade Tensions Affecting Economic Outlook

The global economy is already feeling the impact of President Trump's tariffs, with supply chains disrupted and trade partners retaliating. China has imposed a minimum 125% tariff on U.S. goods and restricted exports of rare earths, critical to high-tech industries, exacerbating global economic uncertainties.

Dayton, Ohio

Dayton's real estate market continues to demonstrate resilience and growth, making it an attractive option for investors seeking affordability and steady appreciation. As of March 2025, the median home value stands at $149,857, reflecting a 4.7% increase year-over-year. Homes are going under contract in approximately 17 days, indicating a competitive market. The median sale price has risen to $241,050, up 3.37% from the previous year, while the average sale price reached $284,303, marking a 2.24% increase.

Inventory levels remain tight, with 1,580 homes available at the end of March 2025, representing a 1.5-month supply based on current sales pace. The sale-to-list price ratio holds steady at 99.84%, suggesting that homes are selling close to their listing prices.

Dayton's affordability, combined with its strategic location near major cities like Cincinnati and Columbus, continues to attract both first-time homebuyers and seasoned investors. The city's robust infrastructure and growing economy further enhance its appeal.

3-Unit Multifamily Property in South Park

Located in the historic South Park neighborhood, this 3-unit multifamily property offers a compelling investment opportunity. Each unit rents for $1,200/month, totaling $43,200 in annual rental income. With a cap rate of 9.6%, investors can expect solid cash flow.

The property is within walking distance to local eateries, parks, and entertainment venues, making it attractive to tenants seeking an urban lifestyle. Recent renovations include updated kitchens and bathrooms, reducing immediate maintenance costs. Given the area's popularity and ongoing development, this property is poised for both income and appreciation.

Utilize the "Live-In Flip" Method

The "Live-In Flip" strategy involves purchasing a property, living in it while making improvements, and then selling it for a profit after a certain period. This approach can reduce capital gains taxes if the property is your primary residence for at least two years.

Example: An investor buys a fixer-upper in Dayton for $120,000, invests $30,000 in renovations over two years while living in the property, and sells it for $200,000. By meeting the residency requirement, they can exclude up to $250,000 (or $500,000 for married couples) of capital gains from their taxable income.

Dayton, Ohio

Interest rates in Dayton have seen slight fluctuations, with the 30-year fixed residential rate at 6.9%, making borrowing costs relatively affordable. The 15-year fixed rate offers a lower interest option for those seeking quicker equity build-up. Commercial rates starting at 6.3% present opportunities for investors looking into multifamily or mixed-use properties.

Leverage Local Market Knowledge

Understanding the nuances of the local market can significantly impact your investment success. In Dayton, neighborhoods like South Park and Oregon District have unique characteristics that influence property values and rental demand.

Example: An investor familiar with the South Park area recognized the trend of young professionals moving in, leading to increased demand for renovated rentals. By purchasing and updating a duplex in the neighborhood, they were able to command higher rents and reduce vacancy rates.

As we progress through 2025, Dayton continues to solidify its position as a prime location for real estate investment. The city's blend of affordability, economic growth, and urban development creates a conducive environment for both novice and seasoned investors.

Neighborhoods like South Park, Oregon District, and Downtown Dayton are witnessing revitalization, attracting young professionals and families alike. These areas offer a mix of historic charm and modern amenities, making them hotspots for rental properties.

The city's commitment to infrastructure improvements and community development projects further enhances property values. Investors focusing on value-add opportunities can capitalize on properties needing minor enhancements or cosmetic upgrades. Small investments, such as $5,000–$10,000 in kitchen updates or curb appeal improvements, are often yielding double-digit increases in rental value.

Additionally, short-term rentals near attractions like the National Museum of the U.S. Air Force or RiverScape MetroPark are seeing increased demand, especially during seasonal events. What's also promising is the local government's support of housing initiatives and mixed-use development, which has helped streamline the permitting process and boosted investor confidence.

Dayton's economy is on a stable growth trajectory. The city's GDP is projected to grow by 2.3% in 2025, reflecting a healthy economic environment. The unemployment rate stands at 4.0%, slightly higher than the previous year but still indicative of a strong labor market.

Key industries such as aerospace, healthcare, and education continue to thrive, attracting a skilled workforce and supporting housing demand. The city's affordability compared to other metros makes it an attractive destination for both businesses and residents.

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_^Disclaimer: This newsletter is for informational and educational purposes only and reflects the opinions of its editors and contributors. The content provided, including but not limited to real estate tips, stock market insights, business marketing strategies, and startup advice, is shared for general guidance and does not constitute financial, investment, real estate, legal, or business advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Past performance is not indicative of future results. All investment, real estate, and business decisions involve inherent risks, and readers are encouraged to perform their own due diligence and consult with qualified professionals before taking any action. This newsletter does not establish a fiduciary, advisory, or professional relationship between the publishers and readers.