109323 Highway 97 NChemultOR97731
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 109323 Highway 97 N, Chemult, OR, 97731 in Chemult fits: $650,000, 3.38% gross yield, and a projected 5% annual appreciation rate adding $179,583 in value within five years. Rental yield 3.38%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.59) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,449/yr in principal paydown and $179,583 in appreciation project a total return of $99,226.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.2% |
| Monthly Cash Flow | $(2,091) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,832 |
| Total Monthly Debt Service | $3,823 |
| DSCR Ratio | 0.48x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1926
1.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97731, Chemult, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 208 (100%) |
| Owner Occupied HU | 85 (40.9%) |
| Renter Occupied HU | 35 (16.8%) |
| Vacant Housing Units | 88 (42.3%) |
| Median Home Value | $368,182 |
| Average Home Value | $395,088 |
Housing Distribution
Address Breakdown
Residential
24
Single Family
24
Multi-Family
0
Businesses
22
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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
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