2529 40th Ave SEAlbanyOR97322
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder2529 40th Ave SE, Albany, OR, 97322 in Albany earns a respectable 7.42% gross yield at $519,000, but after the $2,334/mo mortgage the net cash flow is $75/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.38) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $143,390 over five years, making equity the dominant return driver. Total projected return: $201,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.5% |
| Monthly Cash Flow | $75 | $420 |
City averages based on Albany market data in our database. Property projections are estimates.
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 | $3,210 |
| Total Monthly Debt Service | $2,928 |
| DSCR Ratio | 1.10x |
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 1978
8,276 sqft lot
$N/A/sqft
No 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 1978
8,276 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: BRYSON LEWIS • Centurion Real Estate Services
Mls Name: WVMLS
Mls Provider:
Mls ID: #828153
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.