4310 SE Lambert StPortlandOR97206
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4310 SE Lambert St, Portland, OR, 97206 in Portland is capital appreciation. Rental yield 5.98%. The 5.98% gross yield at $675,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $186,490 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.11) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $209,700.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.5% |
| Monthly Cash Flow | $(712) | $450 |
City averages based on Portland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,362 |
| Total Monthly Debt Service | $3,806 |
| DSCR Ratio | 0.88x |
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 1951
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97206, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,651 (100%) |
| Owner Occupied HU | 12,687 (58.6%) |
| Renter Occupied HU | 7,718 (35.6%) |
| Vacant Housing Units | 1,246 ( 5.8%) |
| Median Home Value | $558,543 |
| Average Home Value | $578,741 |
Housing Distribution
Address Breakdown
Residential
21,916
Single Family
19,838
Multi-Family
2,078
Businesses
806
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 1951
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97206, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,651 (100%) |
| Owner Occupied HU | 12,687 (58.6%) |
| Renter Occupied HU | 7,718 (35.6%) |
| Vacant Housing Units | 1,246 ( 5.8%) |
| Median Home Value | $558,543 |
| Average Home Value | $578,741 |
Housing Distribution
Address Breakdown
Residential
21,916
Single Family
19,838
Multi-Family
2,078
Businesses
806
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices