7704 SE Harold StPortlandOR97206
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 7704 SE Harold St, Portland, OR, 97206 in Portland at $624,900 earns $3,919/mo in rent and nets $147/mo after the $2,810/mo payment, a 7.53% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $172,648 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $5,755/yr in principal paydown, total projected return reaches $246,001.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.5% |
| Monthly Cash Flow | $147 | $450 |
City averages based on Portland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,919 |
| Total Monthly Debt Service | $3,523 |
| DSCR Ratio | 1.11x |
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 1952
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97206, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,651 (100%) |
| Owner Occupied HU | 12,687 (58.6%) |
| Renter Occupied HU | 7,718 (35.6%) |
| Vacant Housing Units | 1,246 ( 5.8%) |
| Median Home Value | $558,543 |
| Average Home Value | $578,741 |
Housing Distribution
Address Breakdown
Residential
21,916
Single Family
19,838
Multi-Family
2,078
Businesses
806
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 1952
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97206, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,651 (100%) |
| Owner Occupied HU | 12,687 (58.6%) |
| Renter Occupied HU | 7,718 (35.6%) |
| Vacant Housing Units | 1,246 ( 5.8%) |
| Median Home Value | $558,543 |
| Average Home Value | $578,741 |
Housing Distribution
Address Breakdown
Residential
21,916
Single Family
19,838
Multi-Family
2,078
Businesses
806
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices