356 White Oak DrCave JunctionOR97523
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.91% gross rental yield, 356 White Oak Dr, Cave Junction, OR, 97523 in Cave Junction is priced for capital growth, not immediate cash flow. The $320,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $88,410 by year five, with $2,947/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.10) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $98,240.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.2% |
| Monthly Cash Flow | $(356) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,576 |
| Total Monthly Debt Service | $1,804 |
| DSCR Ratio | 0.87x |
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.
Multi Family
Built in 1992
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97523, Cave Junction, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,657 (100%) |
| Owner Occupied HU | 2,375 (64.9%) |
| Renter Occupied HU | 847 (23.2%) |
| Vacant Housing Units | 435 (11.9%) |
| Median Home Value | $377,258 |
| Average Home Value | $421,261 |
Housing Distribution
Address Breakdown
Residential
2,364
Single Family
2,360
Multi-Family
4
Businesses
241
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
Multi Family
Built in 1992
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97523, Cave Junction, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,657 (100%) |
| Owner Occupied HU | 2,375 (64.9%) |
| Renter Occupied HU | 847 (23.2%) |
| Vacant Housing Units | 435 (11.9%) |
| Median Home Value | $377,258 |
| Average Home Value | $421,261 |
Housing Distribution
Address Breakdown
Residential
2,364
Single Family
2,360
Multi-Family
4
Businesses
241
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A