235 Whirlwind Dr NEAlbanyOR97322
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 235 Whirlwind Dr NE, Albany, OR, 97322 in Albany at $410,000 earns $2,574/mo in rent and nets $147/mo after the $1,844/mo payment, a 7.7% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $113,275 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $3,776/yr in principal paydown, total projected return reaches $161,129.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.5% |
| Monthly Cash Flow | $147 | $420 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,574 |
| Total Monthly Debt Service | $2,319 |
| DSCR Ratio | 1.11x |
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.
Single Family
Built in 2008
5,227 sqft lot
$N/A/sqft
$90 annually 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 2008
5,227 sqft lot
$N/A/sqft
$90 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: LISA-ANNE BROWN, GRI, PSA • Realty One Group Willamette Valley
Mls Name: WVMLS
Mls Provider:
Mls ID: #824554
Disclaimer: Based on information from Willamette Valley Multiple Listing Service, which neither guarantees nor is in any way responsible for its accuracy. All data is provided 'AS IS' and with all faults. Data maintained by Willamette Valley Multiple Listing Service may not reflect all real estate activity in the market.