46 Sudden Valley DriveBellinghamWA98229
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 46 Sudden Valley Drive, Bellingham, WA, 98229 in Bellingham worth modelling. At $499,000 with a 7.24% gross yield, the $3,011/mo rent leaves $11/mo after the $2,244/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.34 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $137,865 by year five; $4,596/yr in principal reduction adds further equity. Total projected return: $189,539.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.1% |
| Monthly Cash Flow | $11 | $1,850 |
City averages based on Bellingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,011 |
| Total Monthly Debt Service | $2,801 |
| DSCR Ratio | 1.07x |
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 1976
8,106 sqft lot
$N/A/sqft
No HOA
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 1976
8,106 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carmen Andrew • RE/MAX Whatcom County, Inc.
Mls Name: NWMLS
Mls ID: #2435263