421 State StLyleWA98635
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play421 State St, Lyle, WA, 98635 in Lyle is priced for appreciation, not yield. Rental yield 4.58%. At $395,000 with a 4.58% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $109,131 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.85) 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: $93,600.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(868) | $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 | $1,506 |
| Total Monthly Debt Service | $2,217 |
| DSCR Ratio | 0.68x |
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.
Home Type Unknown
Built in 1955
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98635, Lyle, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,104 (100%) |
| Owner Occupied HU | 697 (63.1%) |
| Renter Occupied HU | 222 (20.1%) |
| Vacant Housing Units | 185 (16.8%) |
| Median Home Value | $535,804 |
| Average Home Value | $699,541 |
Housing Distribution
Address Breakdown
Residential
588
Single Family
578
Multi-Family
10
Businesses
36
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
Home Type Unknown
Built in 1955
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98635, Lyle, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,104 (100%) |
| Owner Occupied HU | 697 (63.1%) |
| Renter Occupied HU | 222 (20.1%) |
| Vacant Housing Units | 185 (16.8%) |
| Median Home Value | $535,804 |
| Average Home Value | $699,541 |
Housing Distribution
Address Breakdown
Residential
588
Single Family
578
Multi-Family
10
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A