405 Whitefish LnPascoWA99301
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play405 Whitefish Ln, Pasco, WA, 99301 in Pasco is priced for appreciation, not yield. Rental yield 5.83%. At $260,000 with a 5.83% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $71,833 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.20) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $88,245.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.2% |
| Monthly Cash Flow | $(332) | $1,250 |
City averages based on Pasco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,405 |
| Total Monthly Debt Service | $1,459 |
| DSCR Ratio | 0.96x |
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.
Townhouse
Built in 2021
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99301, Pasco, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,378 (100%) |
| Owner Occupied HU | 20,191 (68.7%) |
| Renter Occupied HU | 8,247 (28.1%) |
| Vacant Housing Units | 940 ( 3.2%) |
| Median Home Value | $383,669 |
| Average Home Value | $429,423 |
Housing Distribution
Address Breakdown
Residential
27,783
Single Family
26,953
Multi-Family
830
Businesses
1,621
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
Townhouse
Built in 2021
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99301, Pasco, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,378 (100%) |
| Owner Occupied HU | 20,191 (68.7%) |
| Renter Occupied HU | 8,247 (28.1%) |
| Vacant Housing Units | 940 ( 3.2%) |
| Median Home Value | $383,669 |
| Average Home Value | $429,423 |
Housing Distribution
Address Breakdown
Residential
27,783
Single Family
26,953
Multi-Family
830
Businesses
1,621
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Luke Salaiz • Windermere Group One/Tri-Cities
Mls Name: PACMLS
Mls Provider:
Mls ID: #284061
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.