3615 Stonecap StRichlandWA99352
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 3615 Stonecap St, Richland, WA, 99352 in Richland, $424,990, 7.65% gross yield, $120/mo net income. Consider it a market-entry position, the $2,708/mo rent covers the $1,911/mo payment with a margin, and 5%/yr appreciation is projected to add $117,417 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.42) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $168,668.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.8% |
| Monthly Cash Flow | $120 | $1,250 |
City averages based on Richland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,708 |
| Total Monthly Debt Service | $2,420 |
| DSCR Ratio | 1.12x |
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 2026
5,227 sqft lot
$N/A/sqft
$34 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99352, Richland, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,894 (100%) |
| Owner Occupied HU | 11,107 (65.7%) |
| Renter Occupied HU | 5,094 (30.2%) |
| Vacant Housing Units | 693 ( 4.1%) |
| Median Home Value | $503,035 |
| Average Home Value | $545,350 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
13,792
Multi-Family
2,342
Businesses
1,417
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 2026
5,227 sqft lot
$N/A/sqft
$34 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99352, Richland, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,894 (100%) |
| Owner Occupied HU | 11,107 (65.7%) |
| Renter Occupied HU | 5,094 (30.2%) |
| Vacant Housing Units | 693 ( 4.1%) |
| Median Home Value | $503,035 |
| Average Home Value | $545,350 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
13,792
Multi-Family
2,342
Businesses
1,417
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Little • New Home Star Washington LLC
Mls Name: PACMLS
Mls Provider:
Mls ID: #291327
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.