404 N Pendleton AveUkiahOR97880
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.38% gross rental yield, 404 N Pendleton Ave, Ukiah, OR, 97880 in Ukiah is priced for capital growth, not immediate cash flow. The $319,200 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $88,189 by year five, with $2,940/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.63) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $54,789.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.2% |
| Monthly Cash Flow | $(1,027) | $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 | $900 |
| Total Monthly Debt Service | $1,800 |
| DSCR Ratio | 0.50x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2021
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97880, Ukiah, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 108 (100%) |
| Owner Occupied HU | 53 (49.1%) |
| Renter Occupied HU | 21 (19.4%) |
| Vacant Housing Units | 34 (31.5%) |
| Median Home Value | $147,500 |
| Average Home Value | $337,547 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
19
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 2021
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97880, Ukiah, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 108 (100%) |
| Owner Occupied HU | 53 (49.1%) |
| Renter Occupied HU | 21 (19.4%) |
| Vacant Housing Units | 34 (31.5%) |
| Median Home Value | $147,500 |
| Average Home Value | $337,547 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices