4931 Pear Tree CtYakimaWA98908
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4931 Pear Tree Ct, Yakima, WA, 98908 in Yakima is narrow, $187/mo net on $2,291/mo rent after the $1,574/mo debt service, but the property operates at break-even-plus, not a loss. At $350,000 with a 7.85% yield, the long-run equity case via 5% appreciation ($96,699 over five years) and $3,224/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $144,511.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $187 | $450 |
City averages based on Yakima market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,291 |
| Total Monthly Debt Service | $1,965 |
| DSCR Ratio | 1.17x |
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.
Condo
Built in 1992
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98908, Yakima, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,296 (100%) |
| Owner Occupied HU | 11,136 (68.3%) |
| Renter Occupied HU | 4,562 (28.0%) |
| Vacant Housing Units | 598 ( 3.7%) |
| Median Home Value | $442,459 |
| Average Home Value | $482,566 |
Housing Distribution
Address Breakdown
Residential
16,263
Single Family
15,319
Multi-Family
944
Businesses
615
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
Condo
Built in 1992
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98908, Yakima, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,296 (100%) |
| Owner Occupied HU | 11,136 (68.3%) |
| Renter Occupied HU | 4,562 (28.0%) |
| Vacant Housing Units | 598 ( 3.7%) |
| Median Home Value | $442,459 |
| Average Home Value | $482,566 |
Housing Distribution
Address Breakdown
Residential
16,263
Single Family
15,319
Multi-Family
944
Businesses
615
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joanne Melton • Keller Williams Yakima Valley
Mls Name: YARMLS
Mls Provider:
Mls ID: #25-480
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.