120.5 N Main AveWhite SalmonWA98672
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.6% yield at 120.5 N Main Ave, White Salmon, WA, 98672 in White Salmon is solid, but the $2,089/mo payment compresses net cash flow to $148/mo at $464,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $128,333 by year five, and $4,278/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.41) without U.S. income documentation. Total projected return: $185,302.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $148 | $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 | $2,940 |
| Total Monthly Debt Service | $2,607 |
| DSCR Ratio | 1.13x |
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 1925
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98672, White Salmon, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,337 (100%) |
| Owner Occupied HU | 2,195 (65.8%) |
| Renter Occupied HU | 804 (24.1%) |
| Vacant Housing Units | 338 (10.1%) |
| Median Home Value | $757,396 |
| Average Home Value | $758,845 |
Housing Distribution
Address Breakdown
Residential
1,455
Single Family
1,432
Multi-Family
23
Businesses
259
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 1925
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98672, White Salmon, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,337 (100%) |
| Owner Occupied HU | 2,195 (65.8%) |
| Renter Occupied HU | 804 (24.1%) |
| Vacant Housing Units | 338 (10.1%) |
| Median Home Value | $757,396 |
| Average Home Value | $758,845 |
Housing Distribution
Address Breakdown
Residential
1,455
Single Family
1,432
Multi-Family
23
Businesses
259
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeremy Denny • Pacific Rim Brokers
Mls Name: RMLS (OR)
Mls ID: #341294667