100 Commercial AveGardinerOR97441
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 100 Commercial Ave, Gardiner, OR, 97441 in Gardiner. Rental yield 4.98%. At $499,000 with 4.98% gross yield, current distributions are modest, but the 5% appreciation rate projects $137,865 in new equity by year five, complemented by $4,596/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.92) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $128,351.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(941) | $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 | $2,071 |
| Total Monthly Debt Service | $2,814 |
| DSCR Ratio | 0.74x |
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.
Multi Family
Built in 1940
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97441, Gardiner, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 174 (100%) |
| Owner Occupied HU | 89 (51.1%) |
| Renter Occupied HU | 38 (21.8%) |
| Vacant Housing Units | 47 (27.0%) |
| Median Home Value | $525,000 |
| Average Home Value | $537,584 |
Housing Distribution
Address Breakdown
Residential
5
Single Family
5
Multi-Family
0
Businesses
7
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
Multi Family
Built in 1940
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97441, Gardiner, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 174 (100%) |
| Owner Occupied HU | 89 (51.1%) |
| Renter Occupied HU | 38 (21.8%) |
| Vacant Housing Units | 47 (27.0%) |
| Median Home Value | $525,000 |
| Average Home Value | $537,584 |
Housing Distribution
Address Breakdown
Residential
5
Single Family
5
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices