324 Stanley AveMedfordOR97504
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 324 Stanley Ave, Medford, OR, 97504 in Medford at $419,000 earns $2,707/mo in rent and nets $178/mo after the $1,884/mo payment, a 7.75% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $115,762 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $3,859/yr in principal paydown, total projected return reaches $170,061.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $178 | $450 |
City averages based on Medford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,707 |
| Total Monthly Debt Service | $2,362 |
| DSCR Ratio | 1.15x |
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 1960
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97504, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,277 (100%) |
| Owner Occupied HU | 12,429 (55.8%) |
| Renter Occupied HU | 8,512 (38.2%) |
| Vacant Housing Units | 1,336 ( 6.0%) |
| Median Home Value | $510,019 |
| Average Home Value | $567,082 |
Housing Distribution
Address Breakdown
Residential
21,816
Single Family
19,256
Multi-Family
2,560
Businesses
1,669
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 1960
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97504, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,277 (100%) |
| Owner Occupied HU | 12,429 (55.8%) |
| Renter Occupied HU | 8,512 (38.2%) |
| Vacant Housing Units | 1,336 ( 6.0%) |
| Median Home Value | $510,019 |
| Average Home Value | $567,082 |
Housing Distribution
Address Breakdown
Residential
21,816
Single Family
19,256
Multi-Family
2,560
Businesses
1,669
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices