798 E Main StJohn DayOR97845
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 798 E Main St, John Day, OR, 97845 in John Day: $1,486/mo in rent, $357/mo in net income, 9.53% gross yield, 1.77 DSCR, all at $187,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $51,665 in appreciation and $1,722/yr in principal paydown projects total cumulative return of $93,794.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $357 | $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 | $1,486 |
| Total Monthly Debt Service | $1,054 |
| DSCR Ratio | 1.41x |
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.
Manufactured
Built in 1997
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97845, John Day, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,519 (100%) |
| Owner Occupied HU | 935 (61.6%) |
| Renter Occupied HU | 399 (26.3%) |
| Vacant Housing Units | 185 (12.2%) |
| Median Home Value | $271,528 |
| Average Home Value | $379,428 |
Housing Distribution
Address Breakdown
Residential
1,169
Single Family
1,107
Multi-Family
62
Businesses
247
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 1997
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97845, John Day, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,519 (100%) |
| Owner Occupied HU | 935 (61.6%) |
| Renter Occupied HU | 399 (26.3%) |
| Vacant Housing Units | 185 (12.2%) |
| Median Home Value | $271,528 |
| Average Home Value | $379,428 |
Housing Distribution
Address Breakdown
Residential
1,169
Single Family
1,107
Multi-Family
62
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices