12813 SE 155th AveHappy ValleyOR97086
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 12813 SE 155th Ave, Happy Valley, OR, 97086 in Happy Valley. At $415,000 it earns $3,355/mo in rent and distributes $653/mo to the owner after the $1,866/mo payment, a consistent 9.7% yield. DSCR 1.80 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $114,657 in value; $3,822/yr in principal paydown compounds ownership stake. Total projected return: $211,827.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $653 | $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 | $3,355 |
| Total Monthly Debt Service | $2,340 |
| DSCR Ratio | 1.43x |
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.
Townhouse
Built in 2016
N/A lot
$N/A/sqft
No HOA
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
Townhouse
Built in 2016
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph Charny • Coldwell Banker Bain
Mls Name: RMLS (OR)
Mls ID: #602440794