2630 Agate StEugeneOR97403
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2630 Agate St, Eugene, OR, 97403 in Eugene worth study. Rental yield 1.98%. The 1.98% gross yield is below cash-flow benchmarks at $895,000, but 5% annual appreciation, adding $247,272 over five years, frames this as a capital growth position. Rent of $1,480/mo partially offsets the $4,024/mo payment. Ziffy Mortgage finances appreciation-play properties (0.37 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $86,427.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 5.8% |
| Monthly Cash Flow | $(3,923) | $420 |
City averages based on Eugene market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,480 |
| Total Monthly Debt Service | $5,046 |
| DSCR Ratio | 0.29x |
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 1958
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97403, Eugene, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,509 (100%) |
| Owner Occupied HU | 2,181 (39.6%) |
| Renter Occupied HU | 2,868 (52.1%) |
| Vacant Housing Units | 460 ( 8.3%) |
| Median Home Value | $585,035 |
| Average Home Value | $566,834 |
Housing Distribution
Address Breakdown
Residential
4,908
Single Family
3,962
Multi-Family
946
Businesses
263
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 1958
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97403, Eugene, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,509 (100%) |
| Owner Occupied HU | 2,181 (39.6%) |
| Renter Occupied HU | 2,868 (52.1%) |
| Vacant Housing Units | 460 ( 8.3%) |
| Median Home Value | $585,035 |
| Average Home Value | $566,834 |
Housing Distribution
Address Breakdown
Residential
4,908
Single Family
3,962
Multi-Family
946
Businesses
263
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices