140 Heather DrStanfieldOR97875
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 140 Heather Dr, Stanfield, OR, 97875 in Stanfield at $299,900 earns $1,996/mo in rent and nets $185/mo after the $1,349/mo payment, a 7.99% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $82,857 over five years. Ziffy Mortgage underwrites this on a 1.48 DSCR without U.S. credit history. With $2,762/yr in principal paydown, total projected return reaches $125,455.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $185 | $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 | $1,996 |
| Total Monthly Debt Service | $1,691 |
| DSCR Ratio | 1.18x |
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 1978
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97875, Stanfield, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 728 (66.2%) |
| Renter Occupied HU | 318 (28.9%) |
| Vacant Housing Units | 54 ( 4.9%) |
| Median Home Value | $240,909 |
| Average Home Value | $335,604 |
Housing Distribution
Address Breakdown
Residential
511
Single Family
511
Multi-Family
0
Businesses
52
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 1978
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97875, Stanfield, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 728 (66.2%) |
| Renter Occupied HU | 318 (28.9%) |
| Vacant Housing Units | 54 ( 4.9%) |
| Median Home Value | $240,909 |
| Average Home Value | $335,604 |
Housing Distribution
Address Breakdown
Residential
511
Single Family
511
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices