4942 Holly StSpringfieldOR97478
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 4942 Holly St, Springfield, OR, 97478 in Springfield offers a clean, manageable entry. Rental yield 6.44%. DSCR 1.19 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $106,368 in additional property value over five years, with $3,546/yr in principal equity building ownership stake. Total projected cumulative return: $129,112.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.2% |
| Monthly Cash Flow | $(310) | $1,200 |
City averages based on Springfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,065 |
| Total Monthly Debt Service | $2,171 |
| DSCR Ratio | 0.95x |
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 2012
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97478, Springfield, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,429 (100%) |
| Owner Occupied HU | 10,304 (66.8%) |
| Renter Occupied HU | 4,596 (29.8%) |
| Vacant Housing Units | 529 ( 3.4%) |
| Median Home Value | $467,133 |
| Average Home Value | $522,825 |
Housing Distribution
Address Breakdown
Residential
15,037
Single Family
14,943
Multi-Family
94
Businesses
461
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 2012
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97478, Springfield, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,429 (100%) |
| Owner Occupied HU | 10,304 (66.8%) |
| Renter Occupied HU | 4,596 (29.8%) |
| Vacant Housing Units | 529 ( 3.4%) |
| Median Home Value | $467,133 |
| Average Home Value | $522,825 |
Housing Distribution
Address Breakdown
Residential
15,037
Single Family
14,943
Multi-Family
94
Businesses
461
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jami Myers • Triple Oaks Realty LLC
Mls Name: RMLS (OR)
Mls ID: #685335686