4460 Morfitt StHubbardOR97032
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing4460 Morfitt St, Hubbard, OR, 97032 in Hubbard is a stable, well-positioned rental at $515,000. Rental yield 6.22%. DSCR 1.15 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $142,285 in value and $4,743/yr in principal paydown builds equity, a total projected return of $166,797.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.2% |
| Monthly Cash Flow | $(437) | $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 | $2,671 |
| Total Monthly Debt Service | $2,904 |
| DSCR Ratio | 0.92x |
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 2002
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97032, Hubbard, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,647 (100%) |
| Owner Occupied HU | 1,286 (78.1%) |
| Renter Occupied HU | 313 (19.0%) |
| Vacant Housing Units | 48 ( 2.9%) |
| Median Home Value | $525,042 |
| Average Home Value | $576,919 |
Housing Distribution
Address Breakdown
Residential
1,642
Single Family
1,642
Multi-Family
0
Businesses
223
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 2002
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97032, Hubbard, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,647 (100%) |
| Owner Occupied HU | 1,286 (78.1%) |
| Renter Occupied HU | 313 (19.0%) |
| Vacant Housing Units | 48 ( 2.9%) |
| Median Home Value | $525,042 |
| Average Home Value | $576,919 |
Housing Distribution
Address Breakdown
Residential
1,642
Single Family
1,642
Multi-Family
0
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices