3031 NW Polarstar Ave Lot 37BendOR97703
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3031 NW Polarstar Ave Lot 37, Bend, OR, 97703 in Bend worth study. Rental yield 4.21%. The 4.21% gross yield is below cash-flow benchmarks at $1,849,000, but 5% annual appreciation, adding $510,845 over five years, frames this as a capital growth position. Rent of $6,481/mo partially offsets the $8,314/mo payment. Ziffy Mortgage finances appreciation-play properties (0.78 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $398,783.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 4.8% |
| Monthly Cash Flow | $(4,680) | $1,850 |
City averages based on Bend market data in our database. Property projections are estimates.
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 | $6,481 |
| Total Monthly Debt Service | $10,425 |
| DSCR Ratio | 0.62x |
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 2026
6,969 sqft lot
$N/A/sqft
No HOA
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 2026
6,969 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices