128 NE 74th AvePortlandOR97213
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 128 NE 74th Ave, Portland, OR, 97213 in Portland is narrow, $163/mo net on $2,543/mo rent after the $1,762/mo debt service, but the property operates at break-even-plus, not a loss. At $391,900 with a 7.79% yield, the long-run equity case via 5% appreciation ($108,275 over five years) and $3,609/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $158,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.5% |
| Monthly Cash Flow | $163 | $450 |
City averages based on Portland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,543 |
| Total Monthly Debt Service | $2,224 |
| DSCR Ratio | 1.14x |
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 1900
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97213, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,807 (100%) |
| Owner Occupied HU | 8,301 (56.1%) |
| Renter Occupied HU | 5,783 (39.1%) |
| Vacant Housing Units | 723 ( 4.9%) |
| Median Home Value | $652,732 |
| Average Home Value | $687,578 |
Housing Distribution
Address Breakdown
Residential
14,217
Single Family
12,496
Multi-Family
1,721
Businesses
1,045
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 1900
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97213, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,807 (100%) |
| Owner Occupied HU | 8,301 (56.1%) |
| Renter Occupied HU | 5,783 (39.1%) |
| Vacant Housing Units | 723 ( 4.9%) |
| Median Home Value | $652,732 |
| Average Home Value | $687,578 |
Housing Distribution
Address Breakdown
Residential
14,217
Single Family
12,496
Multi-Family
1,721
Businesses
1,045
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices