79128 Territorial HwyLoraneOR97451
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 79128 Territorial Hwy, Lorane, OR, 97451 in Lorane is a conservative rental investment at $365,000. Rental yield 6.25%. A 1.16 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $100,843; $3,362/yr in principal paydown supplements. Total projected return: $118,836.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.2% |
| Monthly Cash Flow | $(301) | $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 | $1,902 |
| Total Monthly Debt Service | $2,058 |
| DSCR Ratio | 0.92x |
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.
Manufactured
Built in 1980
13.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97451, Lorane, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 135 (100%) |
| Owner Occupied HU | 102 (75.6%) |
| Renter Occupied HU | 26 (19.3%) |
| Vacant Housing Units | 7 ( 5.2%) |
| Median Home Value | $682,432 |
| Average Home Value | $868,873 |
Housing Distribution
Address Breakdown
Residential
113
Single Family
110
Multi-Family
3
Businesses
11
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
Manufactured
Built in 1980
13.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97451, Lorane, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 135 (100%) |
| Owner Occupied HU | 102 (75.6%) |
| Renter Occupied HU | 26 (19.3%) |
| Vacant Housing Units | 7 ( 5.2%) |
| Median Home Value | $682,432 |
| Average Home Value | $868,873 |
Housing Distribution
Address Breakdown
Residential
113
Single Family
110
Multi-Family
3
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices