3732 Peppertree DrEugeneOR97402
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Eugene rental at 3732 Peppertree Dr, Eugene, OR, 97402 sits in the solid-income band: 8.17% gross yield, $2,444/mo rent, $268/mo net after the $1,614/mo debt service, DSCR 1.51. Entry price of $359,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $99,185 and $3,306/yr in principal reduction bring total cumulative return to $153,790.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $268 | $420 |
City averages based on Eugene market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,444 |
| Total Monthly Debt Service | $2,024 |
| DSCR Ratio | 1.21x |
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 1977
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97402, Eugene, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,222 (100%) |
| Owner Occupied HU | 11,773 (50.7%) |
| Renter Occupied HU | 10,499 (45.2%) |
| Vacant Housing Units | 950 ( 4.1%) |
| Median Home Value | $405,848 |
| Average Home Value | $437,053 |
Housing Distribution
Address Breakdown
Residential
23,123
Single Family
19,544
Multi-Family
3,579
Businesses
2,885
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 1977
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97402, Eugene, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,222 (100%) |
| Owner Occupied HU | 11,773 (50.7%) |
| Renter Occupied HU | 10,499 (45.2%) |
| Vacant Housing Units | 950 ( 4.1%) |
| Median Home Value | $405,848 |
| Average Home Value | $437,053 |
Housing Distribution
Address Breakdown
Residential
23,123
Single Family
19,544
Multi-Family
3,579
Businesses
2,885
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices