397 N 6th StSaint HelensOR97051
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 397 N 6th St, Saint Helens, OR, 97051 in Saint Helens speaks for itself: 10.2% gross on a $314,400 price, generating $2,674/mo in rent and $776/mo in net income after the $1,414/mo debt service. DSCR 1.89, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,310 stacks alongside $86,863 in projected five-year appreciation and $2,896/yr in principal reduction. Projected total cumulative return: $168,989.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $776 | $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 | $2,674 |
| Total Monthly Debt Service | $1,773 |
| DSCR Ratio | 1.51x |
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 1952
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97051, Saint Helens, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,420 (100%) |
| Owner Occupied HU | 4,784 (64.5%) |
| Renter Occupied HU | 2,239 (30.2%) |
| Vacant Housing Units | 397 ( 5.4%) |
| Median Home Value | $413,790 |
| Average Home Value | $446,977 |
Housing Distribution
Address Breakdown
Residential
6,707
Single Family
6,553
Multi-Family
154
Businesses
533
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 1952
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97051, Saint Helens, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,420 (100%) |
| Owner Occupied HU | 4,784 (64.5%) |
| Renter Occupied HU | 2,239 (30.2%) |
| Vacant Housing Units | 397 ( 5.4%) |
| Median Home Value | $413,790 |
| Average Home Value | $446,977 |
Housing Distribution
Address Breakdown
Residential
6,707
Single Family
6,553
Multi-Family
154
Businesses
533
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices