5204 SE Lone Oak StHillsboroOR97123
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play5204 SE Lone Oak St, Hillsboro, OR, 97123 in Hillsboro is priced for appreciation, not yield. Rental yield 5.85%. At $531,400 with a 5.85% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $146,816 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.37) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $194,574.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 4.8% |
| Monthly Cash Flow | $(927) | $420 |
City averages based on Hillsboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,278 |
| Total Monthly Debt Service | $3,181 |
| DSCR Ratio | 1.03x |
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 2018
3,049 sqft lot
$N/A/sqft
$168 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97123, Hillsboro, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,051 (100%) |
| Owner Occupied HU | 12,755 (67.0%) |
| Renter Occupied HU | 5,073 (26.6%) |
| Vacant Housing Units | 1,223 ( 6.4%) |
| Median Home Value | $620,631 |
| Average Home Value | $660,108 |
Housing Distribution
Address Breakdown
Residential
18,793
Single Family
17,607
Multi-Family
1,186
Businesses
1,736
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 2018
3,049 sqft lot
$N/A/sqft
$168 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97123, Hillsboro, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,051 (100%) |
| Owner Occupied HU | 12,755 (67.0%) |
| Renter Occupied HU | 5,073 (26.6%) |
| Vacant Housing Units | 1,223 ( 6.4%) |
| Median Home Value | $620,631 |
| Average Home Value | $660,108 |
Housing Distribution
Address Breakdown
Residential
18,793
Single Family
17,607
Multi-Family
1,186
Businesses
1,736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices