816 Pebble Creek StSutherlinOR97479
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 816 Pebble Creek St, Sutherlin, OR, 97479 in Sutherlin is capital appreciation. Rental yield 5.03%. The 5.03% gross yield at $429,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $118,525 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.93) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $111,628.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(795) | $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 | $1,800 |
| Total Monthly Debt Service | $2,419 |
| DSCR Ratio | 0.74x |
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 2023
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97479, Sutherlin, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,618 (100%) |
| Owner Occupied HU | 3,228 (69.9%) |
| Renter Occupied HU | 1,116 (24.2%) |
| Vacant Housing Units | 274 ( 5.9%) |
| Median Home Value | $313,371 |
| Average Home Value | $330,694 |
Housing Distribution
Address Breakdown
Residential
4,081
Single Family
4,039
Multi-Family
42
Businesses
302
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 2023
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97479, Sutherlin, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,618 (100%) |
| Owner Occupied HU | 3,228 (69.9%) |
| Renter Occupied HU | 1,116 (24.2%) |
| Vacant Housing Units | 274 ( 5.9%) |
| Median Home Value | $313,371 |
| Average Home Value | $330,694 |
Housing Distribution
Address Breakdown
Residential
4,081
Single Family
4,039
Multi-Family
42
Businesses
302
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices