398462 Highway 20CusickWA99139
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 398462 Highway 20, Cusick, WA, 99139 in Cusick at $369,500 earns $2,303/mo in rent and nets $82/mo after the $1,752/mo payment, a 7.48% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $102,086 over five years. Ziffy Mortgage underwrites this on a 1.31 DSCR without U.S. credit history. With $3,098/yr in principal paydown, total projected return reaches $138,152.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $82 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,303 |
| Total Monthly Debt Service | $2,164 |
| DSCR Ratio | 1.06x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1985
13.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99139, Ione, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 683 (100%) |
| Owner Occupied HU | 403 (59.0%) |
| Renter Occupied HU | 96 (14.1%) |
| Vacant Housing Units | 184 (26.9%) |
| Median Home Value | $360,638 |
| Average Home Value | $511,563 |
Housing Distribution
Address Breakdown
Residential
173
Single Family
173
Multi-Family
0
Businesses
44
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Northeast Washington AOR
Mls ID: #45527
