26681 Rnr Ridge RdJohn DayOR97845
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 26681 Rnr Ridge Rd, John Day, OR, 97845 in John Day worth study. Rental yield 0.82%. The 0.82% gross yield is below cash-flow benchmarks at $1,490,000, but 5% annual appreciation, adding $411,660 over five years, frames this as a capital growth position. Rent of $1,020/mo partially offsets the $6,700/mo payment. Ziffy Mortgage finances appreciation-play properties (0.15 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $50,857.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.8% | 6.2% |
| Monthly Cash Flow | $(7,974) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,020 |
| Total Monthly Debt Service | $8,401 |
| DSCR Ratio | 0.12x |
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 2012
162 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97845, John Day, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,519 (100%) |
| Owner Occupied HU | 935 (61.6%) |
| Renter Occupied HU | 399 (26.3%) |
| Vacant Housing Units | 185 (12.2%) |
| Median Home Value | $271,528 |
| Average Home Value | $379,428 |
Housing Distribution
Address Breakdown
Residential
1,169
Single Family
1,107
Multi-Family
62
Businesses
247
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 2012
162 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97845, John Day, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,519 (100%) |
| Owner Occupied HU | 935 (61.6%) |
| Renter Occupied HU | 399 (26.3%) |
| Vacant Housing Units | 185 (12.2%) |
| Median Home Value | $271,528 |
| Average Home Value | $379,428 |
Housing Distribution
Address Breakdown
Residential
1,169
Single Family
1,107
Multi-Family
62
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices