1165 Harding StreetEnumclawWA98022
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.57%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $143,389 and $4,780/yr in equity build project total return of $178,584.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.2% |
| Monthly Cash Flow | $(277) | $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 | $2,843 |
| Total Monthly Debt Service | $2,913 |
| DSCR Ratio | 0.98x |
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 1928
5,797 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98022, Enumclaw, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,071 (100%) |
| Owner Occupied HU | 7,085 (70.4%) |
| Renter Occupied HU | 2,178 (21.6%) |
| Vacant Housing Units | 808 ( 8.0%) |
| Median Home Value | $747,991 |
| Average Home Value | $848,454 |
Housing Distribution
Address Breakdown
Residential
9,423
Single Family
8,741
Multi-Family
682
Businesses
762
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 1928
5,797 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98022, Enumclaw, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,071 (100%) |
| Owner Occupied HU | 7,085 (70.4%) |
| Renter Occupied HU | 2,178 (21.6%) |
| Vacant Housing Units | 808 ( 8.0%) |
| Median Home Value | $747,991 |
| Average Home Value | $848,454 |
Housing Distribution
Address Breakdown
Residential
9,423
Single Family
8,741
Multi-Family
682
Businesses
762
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chandler Clough • Skyline Properties, Inc.
Mls Name: NWMLS
Mls Provider:
Mls ID: #2381275
Disclaimer: Listing information is provided by the Northwest Multiple Listing Service (NWMLS). Property information is based on available data that may include MLS information, county records, and other sources. Listings marked with this symbol: provided by Northwest Multiple Listing Service, 2025. All information provided is deemed reliable but is not guaranteed and should be independently verified. All properties are subject to prior sale or withdrawal. 2025 NWMLS. All rights are reserved. Disclaimer: The information contained in this listing has not been verified by Zillow, Inc. and should be verified by the buyer. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#39)