102 E 5th AveRitzvilleWA99169
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder102 E 5th Ave, Ritzville, WA, 99169 in Ritzville earns a respectable 7.85% gross yield at $275,000, but after the $1,237/mo mortgage the net cash flow is $147/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.46) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $75,977 over five years, making equity the dominant return driver. Total projected return: $113,499.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $147 | $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 | $1,800 |
| Total Monthly Debt Service | $1,544 |
| DSCR Ratio | 1.17x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1950
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99169, Ritzville, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,278 (100%) |
| Owner Occupied HU | 847 (66.3%) |
| Renter Occupied HU | 288 (22.5%) |
| Vacant Housing Units | 143 (11.2%) |
| Median Home Value | $224,485 |
| Average Home Value | $304,870 |
Housing Distribution
Address Breakdown
Residential
1,003
Single Family
939
Multi-Family
64
Businesses
167
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 1950
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99169, Ritzville, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,278 (100%) |
| Owner Occupied HU | 847 (66.3%) |
| Renter Occupied HU | 288 (22.5%) |
| Vacant Housing Units | 143 (11.2%) |
| Median Home Value | $224,485 |
| Average Home Value | $304,870 |
Housing Distribution
Address Breakdown
Residential
1,003
Single Family
939
Multi-Family
64
Businesses
167
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Kennedy • Windermere Valley
Mls Name: SMLS
Mls Provider:
Mls ID: #202515437
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.