186 Cedar LnGatesOR97346
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play186 Cedar Ln, Gates, OR, 97346 in Gates is priced for appreciation, not yield. Rental yield 5.04%. At $410,000 with a 5.04% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $113,275 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.93) 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: $106,781.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(752) | $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 | $1,723 |
| Total Monthly Debt Service | $2,312 |
| DSCR Ratio | 0.75x |
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 2021
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97346, Gates, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 478 (100%) |
| Owner Occupied HU | 269 (56.3%) |
| Renter Occupied HU | 72 (15.1%) |
| Vacant Housing Units | 137 (28.7%) |
| Median Home Value | $398,611 |
| Average Home Value | $487,835 |
Housing Distribution
Address Breakdown
Residential
274
Single Family
274
Multi-Family
0
Businesses
13
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 2021
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97346, Gates, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 478 (100%) |
| Owner Occupied HU | 269 (56.3%) |
| Renter Occupied HU | 72 (15.1%) |
| Vacant Housing Units | 137 (28.7%) |
| Median Home Value | $398,611 |
| Average Home Value | $487,835 |
Housing Distribution
Address Breakdown
Residential
274
Single Family
274
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices