30568 E Yule StGovernment CampOR97028
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 30568 E Yule St, Government Camp, OR, 97028 in Government Camp the bet is firmly on appreciation. Rental yield 0.79%. The 0.79% gross yield on a $1,550,000 price is below income-first thresholds, but 5%/yr value growth projects $428,236 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.15) 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: $50,280.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.8% | 6.2% |
| Monthly Cash Flow | $(8,336) | $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 | $1,020 |
| Total Monthly Debt Service | $8,739 |
| DSCR Ratio | 0.12x |
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97028, Government Camp, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 981 (100%) |
| Owner Occupied HU | 64 ( 6.5%) |
| Renter Occupied HU | 38 ( 3.9%) |
| Vacant Housing Units | 879 (89.6%) |
| Median Home Value | $425,641 |
| Average Home Value | $366,250 |
Housing Distribution
Address Breakdown
Residential
9
Single Family
9
Multi-Family
0
Businesses
45
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97028, Government Camp, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 981 (100%) |
| Owner Occupied HU | 64 ( 6.5%) |
| Renter Occupied HU | 38 ( 3.9%) |
| Vacant Housing Units | 879 (89.6%) |
| Median Home Value | $425,641 |
| Average Home Value | $366,250 |
Housing Distribution
Address Breakdown
Residential
9
Single Family
9
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicole Richards • eXp Realty, LLC
Mls Name: RMLS (OR)
Mls ID: #770486741