18016 White Alder Ln UNIT 1BendOR97707
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play18016 White Alder Ln UNIT 1, Bend, OR, 97707 in Bend is priced for appreciation, not yield. Rental yield 5.2%. At $745,000 with a 5.2% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $205,830 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.96) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $200,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 4.8% |
| Monthly Cash Flow | $(1,270) | $1,850 |
City averages based on Bend market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,227 |
| Total Monthly Debt Service | $4,201 |
| DSCR Ratio | 0.77x |
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 1990
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97707, Bend, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,002 (100%) |
| Owner Occupied HU | 3,200 (40.0%) |
| Renter Occupied HU | 411 ( 5.1%) |
| Vacant Housing Units | 4,391 (54.9%) |
| Median Home Value | $802,210 |
| Average Home Value | $881,758 |
Housing Distribution
Address Breakdown
Residential
2,905
Single Family
2,275
Multi-Family
630
Businesses
226
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 1990
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97707, Bend, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,002 (100%) |
| Owner Occupied HU | 3,200 (40.0%) |
| Renter Occupied HU | 411 ( 5.1%) |
| Vacant Housing Units | 4,391 (54.9%) |
| Median Home Value | $802,210 |
| Average Home Value | $881,758 |
Housing Distribution
Address Breakdown
Residential
2,905
Single Family
2,275
Multi-Family
630
Businesses
226
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices