18780 S Central Point Rd #37Oregon CityOR97045
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 18780 S Central Point Rd #37, Oregon City, OR, 97045 in Oregon City: $1,547/mo in rent, $219/mo in net income, 8.44% gross yield, 1.56 DSCR, all at $219,995. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $60,781 in appreciation and $2,026/yr in principal paydown projects total cumulative return of $97,381.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.5% |
| Monthly Cash Flow | $219 | $1,850 |
City averages based on Oregon City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,547 |
| Total Monthly Debt Service | $1,240 |
| DSCR Ratio | 1.25x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 2026
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
Manufactured
Built in 2026
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: N/A • N/A
Mls Name: RMLS (OR)
Mls ID: #740666897