1415 S Bertelsen Rd SPC 143EugeneOR97402
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1415 S Bertelsen Rd SPC 143, Eugene, OR, 97402 in Eugene at $111,500 earns $846/mo in rent and nets $173/mo after the $501/mo payment, a 9.1% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,805 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,027/yr in principal paydown, total projected return reaches $53,378.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.8% |
| Monthly Cash Flow | $173 | $420 |
City averages based on Eugene market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $846 |
| Total Monthly Debt Service | $629 |
| DSCR Ratio | 1.35x |
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.
Manufactured
Built in 2018
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97402, Eugene, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,222 (100%) |
| Owner Occupied HU | 11,773 (50.7%) |
| Renter Occupied HU | 10,499 (45.2%) |
| Vacant Housing Units | 950 ( 4.1%) |
| Median Home Value | $405,848 |
| Average Home Value | $437,053 |
Housing Distribution
Address Breakdown
Residential
23,123
Single Family
19,544
Multi-Family
3,579
Businesses
2,885
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
Manufactured
Built in 2018
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97402, Eugene, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,222 (100%) |
| Owner Occupied HU | 11,773 (50.7%) |
| Renter Occupied HU | 10,499 (45.2%) |
| Vacant Housing Units | 950 ( 4.1%) |
| Median Home Value | $405,848 |
| Average Home Value | $437,053 |
Housing Distribution
Address Breakdown
Residential
23,123
Single Family
19,544
Multi-Family
3,579
Businesses
2,885
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices