4971 Terri Ln NEAlbanyOR97321
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4971 Terri Ln NE, Albany, OR, 97321 in Albany is narrow, $46/mo net on $2,998/mo rent after the $2,199/mo debt service, but the property operates at break-even-plus, not a loss. At $489,000 with a 7.36% yield, the long-run equity case via 5% appreciation ($135,102 over five years) and $4,504/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $188,079.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.5% |
| Monthly Cash Flow | $46 | $420 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,998 |
| Total Monthly Debt Service | $2,757 |
| DSCR Ratio | 1.09x |
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 2007
10,545 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97321, Albany, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,501 (100%) |
| Owner Occupied HU | 8,923 (71.4%) |
| Renter Occupied HU | 3,233 (25.9%) |
| Vacant Housing Units | 345 ( 2.8%) |
| Median Home Value | $503,213 |
| Average Home Value | $539,335 |
Housing Distribution
Address Breakdown
Residential
12,191
Single Family
11,770
Multi-Family
421
Businesses
1,449
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 2007
10,545 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97321, Albany, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,501 (100%) |
| Owner Occupied HU | 8,923 (71.4%) |
| Renter Occupied HU | 3,233 (25.9%) |
| Vacant Housing Units | 345 ( 2.8%) |
| Median Home Value | $503,213 |
| Average Home Value | $539,335 |
Housing Distribution
Address Breakdown
Residential
12,191
Single Family
11,770
Multi-Family
421
Businesses
1,449
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices