12748 Water Gap RdWilliamsOR97544
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 12748 Water Gap Rd, Williams, OR, 97544 in Williams. Rental yield 5.9%. At $595,000 with 5.9% gross yield, current distributions are modest, but the 5% appreciation rate projects $164,388 in new equity by year five, complemented by $5,480/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.09) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $182,422.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.2% |
| Monthly Cash Flow | $(666) | $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 | $2,926 |
| Total Monthly Debt Service | $3,355 |
| DSCR Ratio | 0.87x |
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 1986
5.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97544, Williams, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,042 (100%) |
| Owner Occupied HU | 733 (70.3%) |
| Renter Occupied HU | 220 (21.1%) |
| Vacant Housing Units | 89 ( 8.5%) |
| Median Home Value | $578,967 |
| Average Home Value | $605,529 |
Housing Distribution
Address Breakdown
Residential
811
Single Family
808
Multi-Family
3
Businesses
66
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 1986
5.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97544, Williams, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,042 (100%) |
| Owner Occupied HU | 733 (70.3%) |
| Renter Occupied HU | 220 (21.1%) |
| Vacant Housing Units | 89 ( 8.5%) |
| Median Home Value | $578,967 |
| Average Home Value | $605,529 |
Housing Distribution
Address Breakdown
Residential
811
Single Family
808
Multi-Family
3
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices