544 Palm StMedfordOR97501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 544 Palm St, Medford, OR, 97501 in Medford is narrow, $194/mo net on $1,787/mo rent after the $1,186/mo debt service, but the property operates at break-even-plus, not a loss. At $263,850 with a 8.13% yield, the long-run equity case via 5% appreciation ($72,897 over five years) and $2,430/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $112,417.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $194 | $450 |
City averages based on Medford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,787 |
| Total Monthly Debt Service | $1,488 |
| DSCR Ratio | 1.20x |
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.
Multi Family
Built in 1936
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97501, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,756 (100%) |
| Owner Occupied HU | 10,498 (53.1%) |
| Renter Occupied HU | 8,063 (40.8%) |
| Vacant Housing Units | 1,195 ( 6.0%) |
| Median Home Value | $390,370 |
| Average Home Value | $417,272 |
Housing Distribution
Address Breakdown
Residential
18,140
Single Family
17,280
Multi-Family
860
Businesses
2,541
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 1936
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97501, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,756 (100%) |
| Owner Occupied HU | 10,498 (53.1%) |
| Renter Occupied HU | 8,063 (40.8%) |
| Vacant Housing Units | 1,195 ( 6.0%) |
| Median Home Value | $390,370 |
| Average Home Value | $417,272 |
Housing Distribution
Address Breakdown
Residential
18,140
Single Family
17,280
Multi-Family
860
Businesses
2,541
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices