39900 SE 4th AveMill CityOR97360
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing39900 SE 4th Ave, Mill City, OR, 97360 in Mill City is a stable, well-positioned rental at $494,900. Rental yield 6.82%. DSCR 1.27 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $136,732 in value and $4,558/yr in principal paydown builds equity, a total projected return of $176,324.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(176) | $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 | $2,816 |
| Total Monthly Debt Service | $2,790 |
| DSCR Ratio | 1.01x |
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 2005
0.41 Acres lot
$N/A/sqft
No HOA
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 2005
0.41 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: HANNAH THOMPSON • Ned Baker Real Estate
Mls Name: WVMLS
Mls Provider:
Mls ID: #827525
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.