4715 Finch St SEAlbanyOR97322
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 4715 Finch St SE, Albany, OR, 97322 in Albany is listed at $319,990 and delivers $2,210/mo in rent and $254/mo in net monthly cash flow. The 8.29% yield and 1.54 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $88,407 over five years, and $2,947/yr in principal reduction supplements cash return. Total projected cumulative return: $137,536.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.5% |
| Monthly Cash Flow | $254 | $420 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,210 |
| Total Monthly Debt Service | $1,829 |
| DSCR Ratio | 1.21x |
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 2025
2,482 sqft lot
$N/A/sqft
$75 quarterly 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 2025
2,482 sqft lot
$N/A/sqft
$75 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: LAURIE BRAY • New Home Star Oregon, Llc
Mls Name: WVMLS
Mls Provider:
Mls ID: #837441
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.