38802 NW Garden DrScioOR97374
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing38802 NW Garden Dr, Scio, OR, 97374 in Scio is a stable, well-positioned rental at $789,000. Rental yield 6.87%. DSCR 1.27 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $217,986 in value and $7,267/yr in principal paydown builds equity, a total projected return of $282,811.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(247) | $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 | $4,516 |
| Total Monthly Debt Service | $4,449 |
| DSCR Ratio | 1.02x |
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 2025
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97374, Scio, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,200 (100%) |
| Owner Occupied HU | 1,731 (78.7%) |
| Renter Occupied HU | 377 (17.1%) |
| Vacant Housing Units | 92 ( 4.2%) |
| Median Home Value | $596,742 |
| Average Home Value | $625,797 |
Housing Distribution
Address Breakdown
Residential
1,717
Single Family
1,716
Multi-Family
1
Businesses
106
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 2025
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97374, Scio, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,200 (100%) |
| Owner Occupied HU | 1,731 (78.7%) |
| Renter Occupied HU | 377 (17.1%) |
| Vacant Housing Units | 92 ( 4.2%) |
| Median Home Value | $596,742 |
| Average Home Value | $625,797 |
Housing Distribution
Address Breakdown
Residential
1,717
Single Family
1,716
Multi-Family
1
Businesses
106
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices