3966 S. PACIFIC HWY, #78 Plan, Pacific VillageMedfordOR97501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3966 S. PACIFIC HWY, #78 Plan, Pacific Village, Medford, OR, 97501 in Medford earns a 8.45% gross yield at $218,900. Rent of $1,541/mo nets $220/mo after the $984/mo mortgage. The 1.57 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $60,478 and $2,016/yr in equity accumulation project a total cumulative return of $97,069.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.5% |
| Monthly Cash Flow | $220 | $450 |
City averages based on Medford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,541 |
| Total Monthly Debt Service | $1,234 |
| DSCR Ratio | 1.25x |
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.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97501, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,756 (100%) |
| Owner Occupied HU | 10,498 (53.1%) |
| Renter Occupied HU | 8,063 (40.8%) |
| Vacant Housing Units | 1,195 ( 6.0%) |
| Median Home Value | $390,370 |
| Average Home Value | $417,272 |
Housing Distribution
Address Breakdown
Residential
18,140
Single Family
17,280
Multi-Family
860
Businesses
2,541
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
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97501, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,756 (100%) |
| Owner Occupied HU | 10,498 (53.1%) |
| Renter Occupied HU | 8,063 (40.8%) |
| Vacant Housing Units | 1,195 ( 6.0%) |
| Median Home Value | $390,370 |
| Average Home Value | $417,272 |
Housing Distribution
Address Breakdown
Residential
18,140
Single Family
17,280
Multi-Family
860
Businesses
2,541
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
