1956 US Highway 12OnalaskaWA98542
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1956 US Highway 12, Onalaska, WA, 98542 in Onalaska. Rental yield 2.91%. At $950,000 with 2.91% gross yield, current distributions are modest, but the 5% appreciation rate projects $262,467 in new equity by year five, complemented by $8,750/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.54) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $140,367.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(3,405) | $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 | $2,305 |
| Total Monthly Debt Service | $5,333 |
| DSCR Ratio | 0.43x |
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 1920
42.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98542, Ethel, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 265 (100%) |
| Owner Occupied HU | 204 (77.0%) |
| Renter Occupied HU | 55 (20.8%) |
| Vacant Housing Units | 6 ( 2.3%) |
| Median Home Value | $586,538 |
| Average Home Value | $637,733 |
Housing Distribution
Address Breakdown
Residential
211
Single Family
211
Multi-Family
0
Businesses
11
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 1920
42.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98542, Ethel, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 265 (100%) |
| Owner Occupied HU | 204 (77.0%) |
| Renter Occupied HU | 55 (20.8%) |
| Vacant Housing Units | 6 ( 2.3%) |
| Median Home Value | $586,538 |
| Average Home Value | $637,733 |
Housing Distribution
Address Breakdown
Residential
211
Single Family
211
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Gordham • Keller Williams South Sound
Mls Name: NWMLS
Mls ID: #2442553