46064 Schoolhouse RdHainesOR97833
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.31% yield at 46064 Schoolhouse Rd, Haines, OR, 97833 in Haines is solid, but the $3,935/mo payment compresses net cash flow to $45/mo at $875,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $241,746 by year five, and $8,059/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.35) without U.S. income documentation. Total projected return: $334,127.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $45 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,327 |
| Total Monthly Debt Service | $4,934 |
| DSCR Ratio | 1.08x |
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 1997
5.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97833, Haines, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 450 (100%) |
| Owner Occupied HU | 294 (65.3%) |
| Renter Occupied HU | 90 (20.0%) |
| Vacant Housing Units | 66 (14.7%) |
| Median Home Value | $494,000 |
| Average Home Value | $578,946 |
Housing Distribution
Address Breakdown
Residential
200
Single Family
200
Multi-Family
0
Businesses
22
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 1997
5.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97833, Haines, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 450 (100%) |
| Owner Occupied HU | 294 (65.3%) |
| Renter Occupied HU | 90 (20.0%) |
| Vacant Housing Units | 66 (14.7%) |
| Median Home Value | $494,000 |
| Average Home Value | $578,946 |
Housing Distribution
Address Breakdown
Residential
200
Single Family
200
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices