3035 Elm StBaker CityOR97814
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3035 Elm St, Baker City, OR, 97814 in Baker City is a top-tier cash-flow asset. At $230,000 it produces $2,120/mo in rent and $732/mo in net monthly income, a 11.06% gross rental yield. The DSCR of 2.05 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,785. Five-year appreciation adds $63,545, driving a total cumulative return of $134,182.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.2% |
| Monthly Cash Flow | $732 | $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 | $2,120 |
| Total Monthly Debt Service | $1,297 |
| DSCR Ratio | 1.63x |
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.
Manufactured
Built in 1993
8,712 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
Manufactured
Built in 1993
8,712 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: Karla Smith • The Grove Team, Ltd.
Mls Name: RMLS (OR)
Mls ID: #365933263