4103 SW Lee StPortlandOR97221
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4103 SW Lee St, Portland, OR, 97221 in Portland is capital appreciation. Rental yield 5.9%. The 5.9% gross yield at $755,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $208,593 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.09) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $231,626.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 5.5% |
| Monthly Cash Flow | $(842) | $450 |
City averages based on Portland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,715 |
| Total Monthly Debt Service | $4,257 |
| DSCR Ratio | 0.87x |
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 1957
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97221, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,608 (100%) |
| Owner Occupied HU | 3,763 (67.1%) |
| Renter Occupied HU | 1,575 (28.1%) |
| Vacant Housing Units | 270 ( 4.8%) |
| Median Home Value | $797,563 |
| Average Home Value | $906,915 |
Housing Distribution
Address Breakdown
Residential
5,574
Single Family
4,913
Multi-Family
661
Businesses
251
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 1957
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97221, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,608 (100%) |
| Owner Occupied HU | 3,763 (67.1%) |
| Renter Occupied HU | 1,575 (28.1%) |
| Vacant Housing Units | 270 ( 4.8%) |
| Median Home Value | $797,563 |
| Average Home Value | $906,915 |
Housing Distribution
Address Breakdown
Residential
5,574
Single Family
4,913
Multi-Family
661
Businesses
251
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices