16514 Oak Tree TerOregon CityOR97045
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing16514 Oak Tree Ter, Oregon City, OR, 97045 in Oregon City is a stable, well-positioned rental at $810,000. Rental yield 6.01%. DSCR 1.11 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $223,788 in value and $7,460/yr in principal paydown builds equity, a total projected return of $253,023.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.5% |
| Monthly Cash Flow | $(833) | $1,850 |
City averages based on Oregon City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,056 |
| Total Monthly Debt Service | $4,567 |
| DSCR Ratio | 0.89x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97045, Oregon City, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,516 (100%) |
| Owner Occupied HU | 16,338 (72.6%) |
| Renter Occupied HU | 5,494 (24.4%) |
| Vacant Housing Units | 684 ( 3.0%) |
| Median Home Value | $633,468 |
| Average Home Value | $683,024 |
Housing Distribution
Address Breakdown
Residential
22,063
Single Family
20,995
Multi-Family
1,068
Businesses
1,663
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 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97045, Oregon City, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,516 (100%) |
| Owner Occupied HU | 16,338 (72.6%) |
| Renter Occupied HU | 5,494 (24.4%) |
| Vacant Housing Units | 684 ( 3.0%) |
| Median Home Value | $633,468 |
| Average Home Value | $683,024 |
Housing Distribution
Address Breakdown
Residential
22,063
Single Family
20,995
Multi-Family
1,068
Businesses
1,663
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gloria Hahn • RE/MAX Equity Group
Mls Name: RMLS (OR)
Mls ID: #425287350