4307 SE Oak StPortlandOR97215
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4307 SE Oak St, Portland, OR, 97215 in Portland is capital appreciation. Rental yield 3.85%. The 3.85% gross yield at $1,235,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $341,208 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.71) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $242,654.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 5.5% |
| Monthly Cash Flow | $(3,495) | $450 |
City averages based on Portland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,960 |
| Total Monthly Debt Service | $6,963 |
| DSCR Ratio | 0.57x |
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 1926
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97215, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,776 (100%) |
| Owner Occupied HU | 4,638 (52.8%) |
| Renter Occupied HU | 3,547 (40.4%) |
| Vacant Housing Units | 591 ( 6.7%) |
| Median Home Value | $687,368 |
| Average Home Value | $736,743 |
Housing Distribution
Address Breakdown
Residential
7,980
Single Family
7,144
Multi-Family
836
Businesses
352
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 1926
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97215, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,776 (100%) |
| Owner Occupied HU | 4,638 (52.8%) |
| Renter Occupied HU | 3,547 (40.4%) |
| Vacant Housing Units | 591 ( 6.7%) |
| Median Home Value | $687,368 |
| Average Home Value | $736,743 |
Housing Distribution
Address Breakdown
Residential
7,980
Single Family
7,144
Multi-Family
836
Businesses
352
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices