286 SW 3rd AveOntarioOR97914
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 286 SW 3rd Ave, Ontario, OR, 97914 in Ontario deserves attention. This $279,900 property earns $2,742/mo in rent, a 11.76% gross yield, and nets $1,052/mo after the $1,259/mo payment. DSCR 2.18 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $77,331 compounds alongside $2,578/yr in yearly equity build, for a total cumulative return of $173,680.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $1,052 | $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 | $2,742 |
| Total Monthly Debt Service | $1,578 |
| DSCR Ratio | 1.74x |
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 1937
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97914, Ontario, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,780 (100%) |
| Owner Occupied HU | 3,666 (54.1%) |
| Renter Occupied HU | 2,620 (38.6%) |
| Vacant Housing Units | 494 ( 7.3%) |
| Median Home Value | $263,235 |
| Average Home Value | $293,384 |
Housing Distribution
Address Breakdown
Residential
6,460
Single Family
6,091
Multi-Family
369
Businesses
852
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 1937
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97914, Ontario, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,780 (100%) |
| Owner Occupied HU | 3,666 (54.1%) |
| Renter Occupied HU | 2,620 (38.6%) |
| Vacant Housing Units | 494 ( 7.3%) |
| Median Home Value | $263,235 |
| Average Home Value | $293,384 |
Housing Distribution
Address Breakdown
Residential
6,460
Single Family
6,091
Multi-Family
369
Businesses
852
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marty Justus • Four Star Real Estate
Mls Name: IMLS
Mls Provider:
Mls ID: #98948562
Disclaimer: IDX information is provided exclusively for consumers personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IMLS does not assume any liability for missing or inaccurate data. Information provided by IMLS is deemed reliable but not guaranteed.