300 Federal LnEugeneOR97404
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 300 Federal Ln, Eugene, OR, 97404 in Eugene the bet is firmly on appreciation. Rental yield 5.52%. The 5.52% gross yield on a $525,000 price is below income-first thresholds, but 5%/yr value growth projects $145,048 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.02) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $150,340.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.8% |
| Monthly Cash Flow | $(752) | $420 |
City averages based on Eugene market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,417 |
| Total Monthly Debt Service | $2,960 |
| DSCR Ratio | 0.82x |
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 1943
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97404, Eugene, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,381 (100%) |
| Owner Occupied HU | 9,823 (68.3%) |
| Renter Occupied HU | 4,183 (29.1%) |
| Vacant Housing Units | 375 ( 2.6%) |
| Median Home Value | $460,916 |
| Average Home Value | $537,222 |
Housing Distribution
Address Breakdown
Residential
14,133
Single Family
13,469
Multi-Family
664
Businesses
652
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 1943
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97404, Eugene, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,381 (100%) |
| Owner Occupied HU | 9,823 (68.3%) |
| Renter Occupied HU | 4,183 (29.1%) |
| Vacant Housing Units | 375 ( 2.6%) |
| Median Home Value | $460,916 |
| Average Home Value | $537,222 |
Housing Distribution
Address Breakdown
Residential
14,133
Single Family
13,469
Multi-Family
664
Businesses
652
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Danielle Mitchell • Mitchell and Associates Real Estate LLC
Mls Name: RMLS (OR)
Mls Provider:
Mls ID: #747214900
Disclaimer: The content relating to real estate for sale on this web site comes in part from the IDX program of the RMLS of Portland, Oregon. Real estate listings held by brokerage firms other than Zillow, Inc. are marked with the RMLS logo, and detailed information about these properties includes the names of the listing brokers. Listing content is copyright 2025 RMLS, Portland, Oregon. This content last updated on 2025-05-21 12:24:44 PDT. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available. All information provided is deemed reliable but is not guaranteed and should be independently verified.