1692 Galbraith LaneBellinghamWA98229
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1692 Galbraith Lane, Bellingham, WA, 98229 in Bellingham worth study. Rental yield 3.33%. The 3.33% gross yield is below cash-flow benchmarks at $1,216,000, but 5% annual appreciation, adding $335,958 over five years, frames this as a capital growth position. Rent of $3,379/mo partially offsets the $5,468/mo payment. Ziffy Mortgage finances appreciation-play properties (0.62 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $207,231.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 5.1% |
| Monthly Cash Flow | $(3,930) | $1,850 |
City averages based on Bellingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,379 |
| Total Monthly Debt Service | $6,826 |
| DSCR Ratio | 0.50x |
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 1930
1.90 Acres lot
$N/A/sqft
No HOA
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 1930
1.90 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacy Osterkamp • Windermere Real Estate Whatcom
Mls Name: NWMLS
Mls ID: #2415225