3514 SW Hartley AveGreshamOR97080
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3514 SW Hartley Ave, Gresham, OR, 97080 in Gresham. At $379,995 it earns $2,634/mo in rent and distributes $340/mo to the owner after the $1,709/mo payment, a consistent 8.32% yield. DSCR 1.54 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $104,986 in value; $3,500/yr in principal paydown compounds ownership stake. Total projected return: $165,760.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.8% |
| Monthly Cash Flow | $340 | $420 |
City averages based on Gresham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,634 |
| Total Monthly Debt Service | $2,143 |
| DSCR Ratio | 1.23x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97080, Gresham, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,539 (100%) |
| Owner Occupied HU | 11,922 (68.0%) |
| Renter Occupied HU | 4,987 (28.4%) |
| Vacant Housing Units | 630 ( 3.6%) |
| Median Home Value | $549,956 |
| Average Home Value | $572,194 |
Housing Distribution
Address Breakdown
Residential
16,673
Single Family
16,065
Multi-Family
608
Businesses
198
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97080, Gresham, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,539 (100%) |
| Owner Occupied HU | 11,922 (68.0%) |
| Renter Occupied HU | 4,987 (28.4%) |
| Vacant Housing Units | 630 ( 3.6%) |
| Median Home Value | $549,956 |
| Average Home Value | $572,194 |
Housing Distribution
Address Breakdown
Residential
16,673
Single Family
16,065
Multi-Family
608
Businesses
198
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices