32421 Whitman Lake Dr EGrahamWA98338
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 32421 Whitman Lake Dr E, Graham, WA, 98338 in Graham worth study. Rental yield 5.17%. The 5.17% gross yield is below cash-flow benchmarks at $723,700, but 5% annual appreciation, adding $199,945 over five years, frames this as a capital growth position. Rent of $3,120/mo partially offsets the $3,254/mo payment. Ziffy Mortgage finances appreciation-play properties (0.96 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $194,684.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(1,230) | $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 | $3,120 |
| Total Monthly Debt Service | $4,062 |
| DSCR Ratio | 0.77x |
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 1993
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98338, Graham, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,397 (100%) |
| Owner Occupied HU | 9,558 (83.9%) |
| Renter Occupied HU | 1,451 (12.7%) |
| Vacant Housing Units | 388 ( 3.4%) |
| Median Home Value | $619,323 |
| Average Home Value | $651,777 |
Housing Distribution
Address Breakdown
Residential
10,269
Single Family
10,268
Multi-Family
1
Businesses
399
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 1993
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98338, Graham, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,397 (100%) |
| Owner Occupied HU | 9,558 (83.9%) |
| Renter Occupied HU | 1,451 (12.7%) |
| Vacant Housing Units | 388 ( 3.4%) |
| Median Home Value | $619,323 |
| Average Home Value | $651,777 |
Housing Distribution
Address Breakdown
Residential
10,269
Single Family
10,268
Multi-Family
1
Businesses
399
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: John L Scott Real Estate
Mls ID: #2393655