442 Varsity RdKalamaWA98625
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 442 Varsity Rd, Kalama, WA, 98625 in Kalama is capital appreciation. Rental yield 1.47%. The 1.47% gross yield at $1,319,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $364,415 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.27) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $93,189.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.5% | 6.2% |
| Monthly Cash Flow | $(6,309) | $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 | $1,620 |
| Total Monthly Debt Service | $7,404 |
| DSCR Ratio | 0.22x |
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 2004
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98625, Kalama, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,171 (100%) |
| Owner Occupied HU | 2,489 (78.5%) |
| Renter Occupied HU | 469 (14.8%) |
| Vacant Housing Units | 213 ( 6.7%) |
| Median Home Value | $568,299 |
| Average Home Value | $654,277 |
Housing Distribution
Address Breakdown
Residential
2,282
Single Family
2,266
Multi-Family
16
Businesses
166
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 2004
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98625, Kalama, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,171 (100%) |
| Owner Occupied HU | 2,489 (78.5%) |
| Renter Occupied HU | 469 (14.8%) |
| Vacant Housing Units | 213 ( 6.7%) |
| Median Home Value | $568,299 |
| Average Home Value | $654,277 |
Housing Distribution
Address Breakdown
Residential
2,282
Single Family
2,266
Multi-Family
16
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patrick Williams • Windermere Northwest Living
Mls Name: RMLS (OR)
Mls ID: #145302130