3821 W Havstad StPascoWA99301
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3821 W Havstad St, Pasco, WA, 99301 in Pasco fits: $899,000, 5.3% gross yield, and a projected 5% annual appreciation rate adding $248,377 in value within five years. Rental yield 5.3%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.98) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,280/yr in principal paydown and $248,377 in appreciation project a total return of $247,988.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.2% |
| Monthly Cash Flow | $(1,434) | $1,250 |
City averages based on Pasco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,970 |
| Total Monthly Debt Service | $5,046 |
| DSCR Ratio | 0.79x |
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.
Single Family
Built in 1977
0.36 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 1977
0.36 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