82 Goldfinch LanePort LudlowWA98365
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 82 Goldfinch Lane, Port Ludlow, WA, 98365 in Port Ludlow worth modelling. At $687,500 with a 7.5% gross yield, the $4,295/mo rent leaves $95/mo after the $3,091/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.39 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $189,944 by year five; $6,332/yr in principal reduction adds further equity. Total projected return: $266,641.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $95 | $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 | $4,295 |
| Total Monthly Debt Service | $3,926 |
| 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 1995
0.45 Acres lot
$N/A/sqft
$800 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98365, Port Ludlow, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,308 (100%) |
| Owner Occupied HU | 2,438 (73.7%) |
| Renter Occupied HU | 260 ( 7.9%) |
| Vacant Housing Units | 610 (18.4%) |
| Median Home Value | $664,991 |
| Average Home Value | $723,065 |
Housing Distribution
Address Breakdown
Residential
2,857
Single Family
2,839
Multi-Family
18
Businesses
113
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 1995
0.45 Acres lot
$N/A/sqft
$800 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 98365, Port Ludlow, WA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,308 (100%) |
| Owner Occupied HU | 2,438 (73.7%) |
| Renter Occupied HU | 260 ( 7.9%) |
| Vacant Housing Units | 610 (18.4%) |
| Median Home Value | $664,991 |
| Average Home Value | $723,065 |
Housing Distribution
Address Breakdown
Residential
2,857
Single Family
2,839
Multi-Family
18
Businesses
113
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices