7912 SE Harold StPortlandOR97206
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.36% yield at 7912 SE Harold St, Portland, OR, 97206 in Portland is solid, but the $1,866/mo payment compresses net cash flow to $40/mo at $414,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $114,629 by year five, and $3,821/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.36) without U.S. income documentation. Total projected return: $159,606.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.5% |
| Monthly Cash Flow | $40 | $450 |
City averages based on Portland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,544 |
| Total Monthly Debt Service | $2,339 |
| DSCR Ratio | 1.09x |
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 1911
5,227 sqft 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
Single Family
Built in 1911
5,227 sqft 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