38519 Jasper Lowell RdFall CreekOR97438
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 38519 Jasper Lowell Rd, Fall Creek, OR, 97438 in Fall Creek fits: $535,000, 5.39% gross yield, and a projected 5% annual appreciation rate adding $147,811 in value within five years. Rental yield 5.39%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.00) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,927/yr in principal paydown and $147,811 in appreciation project a total return of $149,280.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(827) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,402 |
| Total Monthly Debt Service | $3,016 |
| DSCR Ratio | 0.80x |
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 1940
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97438, Fall Creek, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 535 (100%) |
| Owner Occupied HU | 382 (71.4%) |
| Renter Occupied HU | 116 (21.7%) |
| Vacant Housing Units | 37 ( 6.9%) |
| Median Home Value | $621,212 |
| Average Home Value | $728,796 |
Housing Distribution
Address Breakdown
Residential
402
Single Family
402
Multi-Family
0
Businesses
20
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 1940
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97438, Fall Creek, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 535 (100%) |
| Owner Occupied HU | 382 (71.4%) |
| Renter Occupied HU | 116 (21.7%) |
| Vacant Housing Units | 37 ( 6.9%) |
| Median Home Value | $621,212 |
| Average Home Value | $728,796 |
Housing Distribution
Address Breakdown
Residential
402
Single Family
402
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: BECKI TROWBRIDGE • Exp Realty, Llc
Mls Name: WVMLS
Mls Provider:
Mls ID: #822103
Disclaimer: Based on information from Willamette Valley Multiple Listing Service, which neither guarantees nor is in any way responsible for its accuracy. All data is provided 'AS IS' and with all faults. Data maintained by Willamette Valley Multiple Listing Service may not reflect all real estate activity in the market.