21 Harbor View DriveBellinghamWA98229
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 21 Harbor View Drive, Bellingham, WA, 98229 in Bellingham at $449,900. Rental yield 6.04%. The 6.04% yield and 1.12 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $124,299 by year five, and $4,144/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $132,675.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.1% |
| Monthly Cash Flow | $(594) | $1,850 |
City averages based on Bellingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,266 |
| Total Monthly Debt Service | $2,681 |
| DSCR Ratio | 0.85x |
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 1976
5,405 sqft lot
$N/A/sqft
$156 monthly HOA
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 1976
5,405 sqft lot
$N/A/sqft
$156 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joe Wystup • John L. Scott Bellingham
Mls Name: NWMLS
Mls Provider:
Mls ID: #2362308
Disclaimer: Listing information is provided by the Northwest Multiple Listing Service (NWMLS). Property information is based on available data that may include MLS information, county records, and other sources. Listings marked with this symbol: provided by Northwest Multiple Listing Service, 2025. All information provided is deemed reliable but is not guaranteed and should be independently verified. All properties are subject to prior sale or withdrawal. 2025 NWMLS. All rights are reserved. Disclaimer: The information contained in this listing has not been verified by Zillow, Inc. and should be verified by the buyer. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#39)