470 Old Ferry RdShady CoveOR97539
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder470 Old Ferry Rd, Shady Cove, OR, 97539 in Shady Cove is a solid income-producing rental, 7.85% gross yield, $2,876/mo rent, $221/mo net cash flow on a $439,900 buy. DSCR 1.45 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $121,536 and $4,052/yr in principal reduction project a total cumulative return of $180,728.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $221 | $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 | $2,876 |
| Total Monthly Debt Service | $2,480 |
| DSCR Ratio | 1.16x |
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 1995
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97539, Shady Cove, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,750 (100%) |
| Owner Occupied HU | 1,244 (71.1%) |
| Renter Occupied HU | 358 (20.5%) |
| Vacant Housing Units | 148 ( 8.5%) |
| Median Home Value | $426,639 |
| Average Home Value | $398,175 |
Housing Distribution
Address Breakdown
Residential
1,046
Single Family
1,026
Multi-Family
20
Businesses
120
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 1995
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97539, Shady Cove, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,750 (100%) |
| Owner Occupied HU | 1,244 (71.1%) |
| Renter Occupied HU | 358 (20.5%) |
| Vacant Housing Units | 148 ( 8.5%) |
| Median Home Value | $426,639 |
| Average Home Value | $398,175 |
Housing Distribution
Address Breakdown
Residential
1,046
Single Family
1,026
Multi-Family
20
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Epique Realty
Mls Name: Oregon Datashare
Mls ID: #220207712