440 N Mountain BlvdMount VernonOR97865
INVESTMENT ANALYSIS
Investment Verdict
Solid Income440 N Mountain Blvd, Mount Vernon, OR, 97865 in Mount Vernon is a solid income-producing rental, 8.88% gross yield, $2,479/mo rent, $457/mo net cash flow on a $335,000 buy. DSCR 1.65 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $92,554 and $3,085/yr in principal reduction project a total cumulative return of $156,265.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $457 | $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 | $2,479 |
| Total Monthly Debt Service | $1,889 |
| DSCR Ratio | 1.31x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 N/A
0.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97865, Mount Vernon, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 464 (100%) |
| Owner Occupied HU | 302 (65.1%) |
| Renter Occupied HU | 103 (22.2%) |
| Vacant Housing Units | 59 (12.7%) |
| Median Home Value | $188,889 |
| Average Home Value | $297,649 |
Housing Distribution
Address Breakdown
Residential
152
Single Family
151
Multi-Family
1
Businesses
26
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 N/A
0.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97865, Mount Vernon, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 464 (100%) |
| Owner Occupied HU | 302 (65.1%) |
| Renter Occupied HU | 103 (22.2%) |
| Vacant Housing Units | 59 (12.7%) |
| Median Home Value | $188,889 |
| Average Home Value | $297,649 |
Housing Distribution
Address Breakdown
Residential
152
Single Family
151
Multi-Family
1
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Madden Realty
Mls Name: Oregon Datashare
Mls ID: #220202157