2707 3rd StBaker CityOR97814
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 2707 3rd St, Baker City, OR, 97814 in Baker City aligned with their strategy. Rental yield 6.13%. DSCR 1.14 and 6.13% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $2,163/yr in paydown build toward a projected cumulative return of $74,903.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.2% |
| Monthly Cash Flow | $(218) | $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 | $1,200 |
| Total Monthly Debt Service | $1,324 |
| DSCR Ratio | 0.91x |
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 1900
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97814, Baker City, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,071 (100%) |
| Owner Occupied HU | 3,858 (63.5%) |
| Renter Occupied HU | 1,703 (28.1%) |
| Vacant Housing Units | 510 ( 8.4%) |
| Median Home Value | $330,541 |
| Average Home Value | $398,513 |
Housing Distribution
Address Breakdown
Residential
5,545
Single Family
5,278
Multi-Family
267
Businesses
637
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 1900
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97814, Baker City, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,071 (100%) |
| Owner Occupied HU | 3,858 (63.5%) |
| Renter Occupied HU | 1,703 (28.1%) |
| Vacant Housing Units | 510 ( 8.4%) |
| Median Home Value | $330,541 |
| Average Home Value | $398,513 |
Housing Distribution
Address Breakdown
Residential
5,545
Single Family
5,278
Multi-Family
267
Businesses
637
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert Reedy • The Oregon Realty Group
Mls Name: RMLS (OR)
Mls ID: #664288336