441 North StVernoniaOR97064
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 441 North St, Vernonia, OR, 97064 in Vernonia, $319,200, 7.95% gross yield, $188/mo net income. Consider it a market-entry position, the $2,114/mo rent covers the $1,435/mo payment with a margin, and 5%/yr appreciation is projected to add $88,189 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.47) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $132,921.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $188 | $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 | $2,114 |
| Total Monthly Debt Service | $1,800 |
| DSCR Ratio | 1.17x |
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.
Multi Family
Built in 1924
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97064, Vernonia, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,613 (100%) |
| Owner Occupied HU | 1,259 (78.1%) |
| Renter Occupied HU | 260 (16.1%) |
| Vacant Housing Units | 94 ( 5.8%) |
| Median Home Value | $429,661 |
| Average Home Value | $460,725 |
Housing Distribution
Address Breakdown
Residential
1,468
Single Family
1,465
Multi-Family
3
Businesses
108
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
Multi Family
Built in 1924
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97064, Vernonia, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,613 (100%) |
| Owner Occupied HU | 1,259 (78.1%) |
| Renter Occupied HU | 260 (16.1%) |
| Vacant Housing Units | 94 ( 5.8%) |
| Median Home Value | $429,661 |
| Average Home Value | $460,725 |
Housing Distribution
Address Breakdown
Residential
1,468
Single Family
1,465
Multi-Family
3
Businesses
108
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices