150 E Main StIoneOR97843
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 150 E Main St, Ione, OR, 97843 in Ione at $130,000 earns $960/mo in rent and nets $175/mo after the $585/mo payment, a 8.86% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,917 over five years. Ziffy Mortgage underwrites this on a 1.64 DSCR without U.S. credit history. With $1,197/yr in principal paydown, total projected return reaches $60,485.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $175 | $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 | $960 |
| Total Monthly Debt Service | $733 |
| DSCR Ratio | 1.31x |
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 1901
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97843, Ione, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 290 (100%) |
| Owner Occupied HU | 177 (61.0%) |
| Renter Occupied HU | 78 (26.9%) |
| Vacant Housing Units | 35 (12.1%) |
| Median Home Value | $378,125 |
| Average Home Value | $431,610 |
Housing Distribution
Address Breakdown
Residential
129
Single Family
123
Multi-Family
6
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 1901
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97843, Ione, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 290 (100%) |
| Owner Occupied HU | 177 (61.0%) |
| Renter Occupied HU | 78 (26.9%) |
| Vacant Housing Units | 35 (12.1%) |
| Median Home Value | $378,125 |
| Average Home Value | $431,610 |
Housing Distribution
Address Breakdown
Residential
129
Single Family
123
Multi-Family
6
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.