607/609 Torbett StRichlandWA99354
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 607/609 Torbett St, Richland, WA, 99354 in Richland. Rental yield 5.34%. At $490,000 with 5.34% gross yield, current distributions are modest, but the 5% appreciation rate projects $135,378 in new equity by year five, complemented by $4,513/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.99) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $136,183.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.8% |
| Monthly Cash Flow | $(765) | $1,250 |
City averages based on Richland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,180 |
| Total Monthly Debt Service | $2,751 |
| DSCR Ratio | 0.79x |
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 1944
N/A lot
$N/A/sqft
No HOA
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 1944
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ericka Lalka • Real Broker, LLC
Mls Name: PACMLS
Mls ID: #289939