140629 Kokanee LnGilchristOR97737
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 140629 Kokanee Ln, Gilchrist, OR, 97737 in Gilchrist fits: $599,000, 4.57% gross yield, and a projected 5% annual appreciation rate adding $165,493 in value within five years. Rental yield 4.57%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.80) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,021/yr in principal paydown and $165,493 in appreciation project a total return of $129,527.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(1,336) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $3,523 |
| DSCR Ratio | 0.65x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2002
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97737, Gilchrist, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 278 (100%) |
| Owner Occupied HU | 172 (61.9%) |
| Renter Occupied HU | 43 (15.5%) |
| Vacant Housing Units | 63 (22.7%) |
| Median Home Value | $402,500 |
| Average Home Value | $445,465 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
87
Multi-Family
5
Businesses
16
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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
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