5012 N Regal StSpokaneWA99217
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 5012 N Regal St, Spokane, WA, 99217 in Spokane fits: $1,125,000, 1.2% gross yield, and a projected 5% annual appreciation rate adding $310,817 in value within five years. Rental yield 1.2%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.22) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,361/yr in principal paydown and $310,817 in appreciation project a total return of $62,965.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.2% | 4.2% |
| Monthly Cash Flow | $(5,637) | $485 |
City averages based on Spokane market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,126 |
| Total Monthly Debt Service | $6,315 |
| DSCR Ratio | 0.18x |
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.
Multi Family
Built in 1910
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99217, Spokane, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,797 (100%) |
| Owner Occupied HU | 5,098 (58.0%) |
| Renter Occupied HU | 3,318 (37.7%) |
| Vacant Housing Units | 381 ( 4.3%) |
| Median Home Value | $381,940 |
| Average Home Value | $452,952 |
Housing Distribution
Address Breakdown
Residential
7,663
Single Family
7,059
Multi-Family
604
Businesses
553
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
Multi Family
Built in 1910
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 99217, Spokane, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,797 (100%) |
| Owner Occupied HU | 5,098 (58.0%) |
| Renter Occupied HU | 3,318 (37.7%) |
| Vacant Housing Units | 381 ( 4.3%) |
| Median Home Value | $381,940 |
| Average Home Value | $452,952 |
Housing Distribution
Address Breakdown
Residential
7,663
Single Family
7,059
Multi-Family
604
Businesses
553
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Towner • LT Real Estate
Mls Name: SMLS
Mls ID: #202612173