48450 Proposal Rock LoopNeskowinOR97149
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 48450 Proposal Rock Loop, Neskowin, OR, 97149 in Neskowin worth study. Rental yield 4.68%. The 4.68% gross yield is below cash-flow benchmarks at $829,500, but 5% annual appreciation, adding $229,176 over five years, frames this as a capital growth position. Rent of $3,234/mo partially offsets the $3,730/mo payment. Ziffy Mortgage finances appreciation-play properties (0.87 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $197,890.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(1,806) | $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 | $3,234 |
| Total Monthly Debt Service | $4,710 |
| DSCR Ratio | 0.69x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
0.26 Acres lot
$N/A/sqft
$400 yearly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97149, Neskowin, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 866 (100%) |
| Owner Occupied HU | 246 (28.4%) |
| Renter Occupied HU | 56 ( 6.5%) |
| Vacant Housing Units | 564 (65.1%) |
| Median Home Value | $661,111 |
| Average Home Value | $733,354 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
25
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
0.26 Acres lot
$N/A/sqft
$400 yearly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97149, Neskowin, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 866 (100%) |
| Owner Occupied HU | 246 (28.4%) |
| Renter Occupied HU | 56 ( 6.5%) |
| Vacant Housing Units | 564 (65.1%) |
| Median Home Value | $661,111 |
| Average Home Value | $733,354 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Megan L Franco • Real Broker, LLC
Mls Name: OCMLS
Mls Provider:
Mls ID: #25-1244
Disclaimer: The content relating to real estate for sale on this web site comes in part from the IDX program of the Oregon Coast Multiple Listing Service (OCMLS). Listing content is copyrighted. Listing data provided is AS IS. All information provided is deemed reliable but is not guaranteed and should be independently verified. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available. Real estate listings held by member brokerage firms, other than Zillow, Inc., of the OCMLS are marked with the OCMLS logo. Detailed information about these properties includes the names of the member listing brokers and brokerage firms.