3805 W Ella StPascoWA99301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3805 W Ella St, Pasco, WA, 99301 in Pasco: $2,914/mo in rent, $697/mo in net income, 9.48% gross yield, 1.76 DSCR, all at $368,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $101,893 in appreciation and $3,397/yr in principal paydown projects total cumulative return of $184,488.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $697 | $1,250 |
City averages based on Pasco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,914 |
| Total Monthly Debt Service | $2,070 |
| DSCR Ratio | 1.41x |
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 1978
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99301, Pasco, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,378 (100%) |
| Owner Occupied HU | 20,191 (68.7%) |
| Renter Occupied HU | 8,247 (28.1%) |
| Vacant Housing Units | 940 ( 3.2%) |
| Median Home Value | $383,669 |
| Average Home Value | $429,423 |
Housing Distribution
Address Breakdown
Residential
27,783
Single Family
26,953
Multi-Family
830
Businesses
1,621
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 1978
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99301, Pasco, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,378 (100%) |
| Owner Occupied HU | 20,191 (68.7%) |
| Renter Occupied HU | 8,247 (28.1%) |
| Vacant Housing Units | 940 ( 3.2%) |
| Median Home Value | $383,669 |
| Average Home Value | $429,423 |
Housing Distribution
Address Breakdown
Residential
27,783
Single Family
26,953
Multi-Family
830
Businesses
1,621
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elizabeth Beard • eXp Realty, LLC
Mls Name: PACMLS
Mls ID: #290139