721 Cole RdOaklandOR97462
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 721 Cole Rd, Oakland, OR, 97462 in Oakland at $635,000, 2.97% gross yield, is a market-growth asset. Rental yield 2.97%. The $1,573/mo rent partially funds the $2,855/mo debt service; the core return is the 5%/yr price growth projected to add $175,439 over five years. Ziffy Mortgage's DSCR mortgage (0.55) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $94,997.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(2,260) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,573 |
| Total Monthly Debt Service | $3,580 |
| DSCR Ratio | 0.44x |
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 1953
9.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97462, Oakland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,020 (100%) |
| Owner Occupied HU | 1,462 (72.4%) |
| Renter Occupied HU | 338 (16.7%) |
| Vacant Housing Units | 220 (10.9%) |
| Median Home Value | $500,818 |
| Average Home Value | $522,541 |
Housing Distribution
Address Breakdown
Residential
1,334
Single Family
1,334
Multi-Family
0
Businesses
74
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 1953
9.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97462, Oakland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,020 (100%) |
| Owner Occupied HU | 1,462 (72.4%) |
| Renter Occupied HU | 338 (16.7%) |
| Vacant Housing Units | 220 (10.9%) |
| Median Home Value | $500,818 |
| Average Home Value | $522,541 |
Housing Distribution
Address Breakdown
Residential
1,334
Single Family
1,334
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices