4065 Spring Ave NEAlbanyOR97322
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 4065 Spring Ave NE, Albany, OR, 97322 in Albany. At $404,900 it earns $2,690/mo in rent and distributes $246/mo to the owner after the $1,821/mo payment, a consistent 7.97% yield. DSCR 1.48 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $111,866 in value; $3,729/yr in principal paydown compounds ownership stake. Total projected return: $169,079.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.5% |
| Monthly Cash Flow | $246 | $420 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,690 |
| Total Monthly Debt Service | $2,283 |
| DSCR Ratio | 1.18x |
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
4,356 sqft 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
4,356 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices