429 W Pine StreetMcClearyWA98557
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 429 W Pine Street, McCleary, WA, 98557 in McCleary. Rental yield 4.66%. At $465,000 with 4.66% gross yield, current distributions are modest, but the 5% appreciation rate projects $128,471 in new equity by year five, complemented by $4,283/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.86) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $112,374.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(988) | $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 | $1,807 |
| Total Monthly Debt Service | $2,610 |
| DSCR Ratio | 0.69x |
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 2026
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98557, Mccleary, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,569 (100%) |
| Owner Occupied HU | 1,159 (73.9%) |
| Renter Occupied HU | 324 (20.7%) |
| Vacant Housing Units | 86 ( 5.5%) |
| Median Home Value | $445,349 |
| Average Home Value | $455,349 |
Housing Distribution
Address Breakdown
Residential
1,212
Single Family
1,164
Multi-Family
48
Businesses
67
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 2026
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98557, Mccleary, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,569 (100%) |
| Owner Occupied HU | 1,159 (73.9%) |
| Renter Occupied HU | 324 (20.7%) |
| Vacant Housing Units | 86 ( 5.5%) |
| Median Home Value | $445,349 |
| Average Home Value | $455,349 |
Housing Distribution
Address Breakdown
Residential
1,212
Single Family
1,164
Multi-Family
48
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NWMLS as distributed by MLS GRID
Mls ID: #2491987