1446 Laura Vista Dr NWAlbanyOR97321
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1446 Laura Vista Dr NW, Albany, OR, 97321 in Albany deserves attention. This $355,600 property earns $3,234/mo in rent, a 10.91% gross yield, and nets $1,088/mo after the $1,686/mo payment. DSCR 1.92 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $98,246 compounds alongside $2,981/yr in yearly equity build, for a total cumulative return of $197,929.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 5.5% |
| Monthly Cash Flow | $1,088 | $420 |
City averages based on Albany market data in our database. Property projections are estimates.
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 | $3,234 |
| Total Monthly Debt Service | $2,092 |
| DSCR Ratio | 1.55x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97321, Albany, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,501 (100%) |
| Owner Occupied HU | 8,923 (71.4%) |
| Renter Occupied HU | 3,233 (25.9%) |
| Vacant Housing Units | 345 ( 2.8%) |
| Median Home Value | $503,213 |
| Average Home Value | $539,335 |
Housing Distribution
Address Breakdown
Residential
12,191
Single Family
11,770
Multi-Family
421
Businesses
1,449
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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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