3646 SW 50th AvePortlandOR97221
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3646 SW 50th Ave, Portland, OR, 97221 in Portland is priced for appreciation, not yield. Rental yield 2.25%. At $1,695,000 with a 2.25% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $468,297 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.40) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $155,558.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 5.5% |
| Monthly Cash Flow | $(7,128) | $450 |
City averages based on Portland market data in our database. Property projections are estimates.
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 | $3,174 |
| Total Monthly Debt Service | $9,970 |
| DSCR Ratio | 0.32x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1965
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97221, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,608 (100%) |
| Owner Occupied HU | 3,763 (67.1%) |
| Renter Occupied HU | 1,575 (28.1%) |
| Vacant Housing Units | 270 ( 4.8%) |
| Median Home Value | $797,563 |
| Average Home Value | $906,915 |
Housing Distribution
Address Breakdown
Residential
5,574
Single Family
4,913
Multi-Family
661
Businesses
251
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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
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