1129 E Gallium LnColbertWA99005
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1129 E Gallium Ln, Colbert, WA, 99005 in Colbert at $450,000 earns $2,730/mo in rent and nets $25/mo after the $2,023/mo payment, a 7.28% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,327 over five years. Ziffy Mortgage underwrites this on a 1.35 DSCR without U.S. credit history. With $4,145/yr in principal paydown, total projected return reaches $171,948.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $25 | $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 | $2,730 |
| Total Monthly Debt Service | $2,526 |
| DSCR Ratio | 1.08x |
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 2020
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99005, Colbert, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,714 (100%) |
| Owner Occupied HU | 3,414 (91.9%) |
| Renter Occupied HU | 228 ( 6.1%) |
| Vacant Housing Units | 72 ( 1.9%) |
| Median Home Value | $622,276 |
| Average Home Value | $660,747 |
Housing Distribution
Address Breakdown
Residential
3,550
Single Family
3,370
Multi-Family
180
Businesses
97
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 2020
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99005, Colbert, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,714 (100%) |
| Owner Occupied HU | 3,414 (91.9%) |
| Renter Occupied HU | 228 ( 6.1%) |
| Vacant Housing Units | 72 ( 1.9%) |
| Median Home Value | $622,276 |
| Average Home Value | $660,747 |
Housing Distribution
Address Breakdown
Residential
3,550
Single Family
3,370
Multi-Family
180
Businesses
97
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shannon Dayton • John L Scott, Spokane Valley
Mls Name: SMLS
Mls ID: #202527080