448 College StPhilomathOR97370
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 448 College St, Philomath, OR, 97370 in Philomath is straightforward: $362,500 in, $2,834/mo in rent, $625/mo out after debt service. The 9.38% gross yield and 1.74 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $100,152 by year five. With $3,339/yr in principal equity, the total cumulative return is projected at $177,500.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $625 | $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 | $2,834 |
| Total Monthly Debt Service | $2,065 |
| DSCR Ratio | 1.37x |
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 2006
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97370, Philomath, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,001 (100%) |
| Owner Occupied HU | 2,776 (69.4%) |
| Renter Occupied HU | 1,070 (26.7%) |
| Vacant Housing Units | 155 ( 3.9%) |
| Median Home Value | $537,267 |
| Average Home Value | $568,482 |
Housing Distribution
Address Breakdown
Residential
3,745
Single Family
3,311
Multi-Family
434
Businesses
330
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 2006
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97370, Philomath, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,001 (100%) |
| Owner Occupied HU | 2,776 (69.4%) |
| Renter Occupied HU | 1,070 (26.7%) |
| Vacant Housing Units | 155 ( 3.9%) |
| Median Home Value | $537,267 |
| Average Home Value | $568,482 |
Housing Distribution
Address Breakdown
Residential
3,745
Single Family
3,311
Multi-Family
434
Businesses
330
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: MICHAEL KRASILOVSKY • Re/Max Integrity Corvallis Branch
Mls Name: WVMLS
Mls Provider:
Mls ID: #831515
Disclaimer: Based on information from Willamette Valley Multiple Listing Service, which neither guarantees nor is in any way responsible for its accuracy. All data is provided 'AS IS' and with all faults. Data maintained by Willamette Valley Multiple Listing Service may not reflect all real estate activity in the market.