400 1st StWhite SwanWA98952
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 400 1st St, White Swan, WA, 98952 in White Swan: $2,052/mo in rent, $399/mo in net income, 8.95% gross yield, 1.66 DSCR, all at $275,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $75,977 in appreciation and $2,533/yr in principal paydown projects total cumulative return of $129,711.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $399 | $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 | $2,052 |
| Total Monthly Debt Service | $1,544 |
| DSCR Ratio | 1.33x |
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 1935
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98952, White Swan, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 557 (100%) |
| Owner Occupied HU | 349 (62.7%) |
| Renter Occupied HU | 166 (29.8%) |
| Vacant Housing Units | 42 ( 7.5%) |
| Median Home Value | $186,184 |
| Average Home Value | $227,479 |
Housing Distribution
Address Breakdown
Residential
222
Single Family
222
Multi-Family
0
Businesses
25
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 1935
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98952, White Swan, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 557 (100%) |
| Owner Occupied HU | 349 (62.7%) |
| Renter Occupied HU | 166 (29.8%) |
| Vacant Housing Units | 42 ( 7.5%) |
| Median Home Value | $186,184 |
| Average Home Value | $227,479 |
Housing Distribution
Address Breakdown
Residential
222
Single Family
222
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Yakima
Mls ID: #26-675