23196 N Umpqua HwyIdleyld ParkOR97447
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 23196 N Umpqua Hwy, Idleyld Park, OR, 97447 in Idleyld Park is capital appreciation. Rental yield 3.45%. The 3.45% gross yield at $355,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $98,080 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.64) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $62,153.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.2% |
| Monthly Cash Flow | $(1,123) | $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 | $1,020 |
| Total Monthly Debt Service | $2,002 |
| DSCR Ratio | 0.51x |
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 1930
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97447, Idleyld Park, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 453 (100%) |
| Owner Occupied HU | 293 (64.7%) |
| Renter Occupied HU | 96 (21.2%) |
| Vacant Housing Units | 64 (14.1%) |
| Median Home Value | $467,614 |
| Average Home Value | $543,814 |
Housing Distribution
Address Breakdown
Residential
190
Single Family
189
Multi-Family
1
Businesses
21
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 1930
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97447, Idleyld Park, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 453 (100%) |
| Owner Occupied HU | 293 (64.7%) |
| Renter Occupied HU | 96 (21.2%) |
| Vacant Housing Units | 64 (14.1%) |
| Median Home Value | $467,614 |
| Average Home Value | $543,814 |
Housing Distribution
Address Breakdown
Residential
190
Single Family
189
Multi-Family
1
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brennon Claus • Western View Homes LLC
Mls Name: RMLS (OR)
Mls ID: #158622968