6317 Cottonwood LoopYakimaWA98903
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 6317 Cottonwood Loop, Yakima, WA, 98903 in Yakima is narrow, $38/mo net on $3,338/mo rent after the $2,469/mo debt service, but the property operates at break-even-plus, not a loss. At $549,000 with a 7.3% yield, the long-run equity case via 5% appreciation ($151,679 over five years) and $5,056/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.35 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $210,157.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $38 | $450 |
City averages based on Yakima market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,338 |
| Total Monthly Debt Service | $3,082 |
| DSCR Ratio | 1.08x |
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 2021
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98903, Yakima, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,490 (100%) |
| Owner Occupied HU | 4,810 (74.1%) |
| Renter Occupied HU | 1,394 (21.5%) |
| Vacant Housing Units | 286 ( 4.4%) |
| Median Home Value | $405,288 |
| Average Home Value | $403,893 |
Housing Distribution
Address Breakdown
Residential
6,817
Single Family
6,731
Multi-Family
86
Businesses
744
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 2021
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98903, Yakima, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,490 (100%) |
| Owner Occupied HU | 4,810 (74.1%) |
| Renter Occupied HU | 1,394 (21.5%) |
| Vacant Housing Units | 286 ( 4.4%) |
| Median Home Value | $405,288 |
| Average Home Value | $403,893 |
Housing Distribution
Address Breakdown
Residential
6,817
Single Family
6,731
Multi-Family
86
Businesses
744
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rick Fairbrook • John L Scott Yakima
Mls Name: YARMLS
Mls ID: #25-2621