75077 W Oregon LnIrrigonOR97844
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 75077 W Oregon Ln, Irrigon, OR, 97844 in Irrigon the bet is firmly on appreciation. Rental yield 3.41%. The 3.41% gross yield on a $749,000 price is below income-first thresholds, but 5%/yr value growth projects $206,935 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.63) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $129,648.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.2% |
| Monthly Cash Flow | $(2,391) | $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 | $2,130 |
| Total Monthly Debt Service | $4,223 |
| DSCR Ratio | 0.50x |
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.
Single Family
Built in 1995
1.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97844, Irrigon, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,418 (100%) |
| Owner Occupied HU | 1,053 (74.3%) |
| Renter Occupied HU | 285 (20.1%) |
| Vacant Housing Units | 80 ( 5.6%) |
| Median Home Value | $218,457 |
| Average Home Value | $242,642 |
Housing Distribution
Address Breakdown
Residential
1,239
Single Family
1,237
Multi-Family
2
Businesses
70
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 1995
1.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97844, Irrigon, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,418 (100%) |
| Owner Occupied HU | 1,053 (74.3%) |
| Renter Occupied HU | 285 (20.1%) |
| Vacant Housing Units | 80 ( 5.6%) |
| Median Home Value | $218,457 |
| Average Home Value | $242,642 |
Housing Distribution
Address Breakdown
Residential
1,239
Single Family
1,237
Multi-Family
2
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices