4311 Samish Crest DriveBellinghamWA98229
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Bellingham at 4311 Samish Crest Drive, Bellingham, WA, 98229 projects strong ROI of 6.96%. Rental yield 2.79%. With 5% annual appreciation, the property builds $799,835 in value over five years. Equity growth combined delivers a projected five-year ROI of 49.84%, translating into $407,606 in total cumulative return on $817,838 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 5.1% |
| Monthly Cash Flow | $(10,690) | $1,850 |
City averages based on Bellingham market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $6,725 |
| Total Monthly Debt Service | $16,263 |
| DSCR Ratio | 0.41x |
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 2017
0.72 Acres lot
$N/A/sqft
$156 annually HOA
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 2017
0.72 Acres lot
$N/A/sqft
$156 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kate Fadden • John L. Scott Bellingham
Mls Name: NWMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #2556837
Disclaimer: Based on information submitted to the MLS GRID as of 2026-07-22 08:24:41 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers personal noncommercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID. 2026 NWMLS [Click here for more information](/mls-disclaimers/#39)