0 Highway 395Mount VernonOR97865
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 0 Highway 395, Mount Vernon, OR, 97865 in Mount Vernon. Rental yield 1.96%. At $789,000 with 1.96% gross yield, current distributions are modest, but the 5% appreciation rate projects $217,986 in new equity by year five, complemented by $7,267/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.36) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $75,211.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 6.2% |
| Monthly Cash Flow | $(3,473) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,290 |
| Total Monthly Debt Service | $4,449 |
| DSCR Ratio | 0.29x |
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 N/A
377.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97865, Mount Vernon, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 464 (100%) |
| Owner Occupied HU | 302 (65.1%) |
| Renter Occupied HU | 103 (22.2%) |
| Vacant Housing Units | 59 (12.7%) |
| Median Home Value | $188,889 |
| Average Home Value | $297,649 |
Housing Distribution
Address Breakdown
Residential
152
Single Family
151
Multi-Family
1
Businesses
26
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 N/A
377.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97865, Mount Vernon, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 464 (100%) |
| Owner Occupied HU | 302 (65.1%) |
| Renter Occupied HU | 103 (22.2%) |
| Vacant Housing Units | 59 (12.7%) |
| Median Home Value | $188,889 |
| Average Home Value | $297,649 |
Housing Distribution
Address Breakdown
Residential
152
Single Family
151
Multi-Family
1
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Madden Realty
Mls Name: Oregon Datashare
Mls ID: #220203788