18 Hartwig RdLyleWA98635
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 18 Hartwig Rd, Lyle, WA, 98635 in Lyle the bet is firmly on appreciation. Rental yield 4.07%. The 4.07% gross yield on a $425,000 price is below income-first thresholds, but 5%/yr value growth projects $117,420 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.75) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $89,123.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(1,115) | $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 | $1,440 |
| Total Monthly Debt Service | $2,386 |
| DSCR Ratio | 0.60x |
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.
Manufactured
Built in 1996
19.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98635, Lyle, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,104 (100%) |
| Owner Occupied HU | 697 (63.1%) |
| Renter Occupied HU | 222 (20.1%) |
| Vacant Housing Units | 185 (16.8%) |
| Median Home Value | $535,804 |
| Average Home Value | $699,541 |
Housing Distribution
Address Breakdown
Residential
588
Single Family
578
Multi-Family
10
Businesses
36
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 1996
19.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98635, Lyle, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,104 (100%) |
| Owner Occupied HU | 697 (63.1%) |
| Renter Occupied HU | 222 (20.1%) |
| Vacant Housing Units | 185 (16.8%) |
| Median Home Value | $535,804 |
| Average Home Value | $699,541 |
Housing Distribution
Address Breakdown
Residential
588
Single Family
578
Multi-Family
10
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Connie Thomasian • Windermere CRG
Mls Name: RMLS (OR)
Mls ID: #733202439