19921 Whaleshead Rd #El1BrookingsOR97415
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 19921 Whaleshead Rd #El1, Brookings, OR, 97415 in Brookings is the 1.56 coverage ratio: rent of $1,543/mo versus a $989/mo debt payment on a $219,867 property. Rental yield 8.42%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $60,745 by year five, with $2,025/yr in equity from paydown. Total projected cumulative return: $97,099.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $(805) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,543 |
| Total Monthly Debt Service | $1,240 |
| DSCR Ratio | 1.24x |
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 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97415, Brookings, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,111 (100%) |
| Owner Occupied HU | 4,962 (61.2%) |
| Renter Occupied HU | 2,028 (25.0%) |
| Vacant Housing Units | 1,121 (13.8%) |
| Median Home Value | $451,211 |
| Average Home Value | $513,728 |
Housing Distribution
Address Breakdown
Residential
6,287
Single Family
6,020
Multi-Family
267
Businesses
699
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 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97415, Brookings, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,111 (100%) |
| Owner Occupied HU | 4,962 (61.2%) |
| Renter Occupied HU | 2,028 (25.0%) |
| Vacant Housing Units | 1,121 (13.8%) |
| Median Home Value | $451,211 |
| Average Home Value | $513,728 |
Housing Distribution
Address Breakdown
Residential
6,287
Single Family
6,020
Multi-Family
267
Businesses
699
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices