2055 Campus Dr #1-4MedfordOR97504
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2055 Campus Dr #1-4, Medford, OR, 97504 in Medford fits: $717,250, 3.8% gross yield, and a projected 5% annual appreciation rate adding $198,163 in value within five years. Rental yield 3.8%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.71) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,606/yr in principal paydown and $198,163 in appreciation project a total return of $139,274.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.5% |
| Monthly Cash Flow | $(2,055) | $450 |
City averages based on Medford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,274 |
| Total Monthly Debt Service | $4,044 |
| DSCR Ratio | 0.56x |
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.
Townhouse
Built in 1991
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97504, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,277 (100%) |
| Owner Occupied HU | 12,429 (55.8%) |
| Renter Occupied HU | 8,512 (38.2%) |
| Vacant Housing Units | 1,336 ( 6.0%) |
| Median Home Value | $510,019 |
| Average Home Value | $567,082 |
Housing Distribution
Address Breakdown
Residential
21,816
Single Family
19,256
Multi-Family
2,560
Businesses
1,669
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
Townhouse
Built in 1991
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97504, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,277 (100%) |
| Owner Occupied HU | 12,429 (55.8%) |
| Renter Occupied HU | 8,512 (38.2%) |
| Vacant Housing Units | 1,336 ( 6.0%) |
| Median Home Value | $510,019 |
| Average Home Value | $567,082 |
Housing Distribution
Address Breakdown
Residential
21,816
Single Family
19,256
Multi-Family
2,560
Businesses
1,669
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices