286 Winchester Creek AveWinchesterOR97495
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 286 Winchester Creek Ave, Winchester, OR, 97495 in Winchester at $649,900. Rental yield 7.19%. The 7.19% yield and 1.33 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $179,555 by year five, and $5,986/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $244,262.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(28) | $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 | $3,895 |
| Total Monthly Debt Service | $3,664 |
| DSCR Ratio | 1.06x |
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 2010
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97495, Winchester, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 724 (100%) |
| Owner Occupied HU | 557 (76.9%) |
| Renter Occupied HU | 146 (20.2%) |
| Vacant Housing Units | 21 ( 2.9%) |
| Median Home Value | $479,779 |
| Average Home Value | $482,433 |
Housing Distribution
Address Breakdown
Residential
472
Single Family
472
Multi-Family
0
Businesses
75
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 2010
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97495, Winchester, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 724 (100%) |
| Owner Occupied HU | 557 (76.9%) |
| Renter Occupied HU | 146 (20.2%) |
| Vacant Housing Units | 21 ( 2.9%) |
| Median Home Value | $479,779 |
| Average Home Value | $482,433 |
Housing Distribution
Address Breakdown
Residential
472
Single Family
472
Multi-Family
0
Businesses
75
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristina Scott • Umpqua Legacy Realty
Mls Name: RMLS (OR)
Mls ID: #725642176