928 Oregon StPt OrfordOR97465
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play928 Oregon St, Pt Orford, OR, 97465 in Pt Orford is priced for appreciation, not yield. Rental yield 2.95%. At $440,000 with a 2.95% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $121,564 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.55) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $65,117.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(1,576) | $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 | $1,080 |
| Total Monthly Debt Service | $2,481 |
| DSCR Ratio | 0.44x |
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 1945
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97465, Port Orford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,383 (100%) |
| Owner Occupied HU | 820 (59.3%) |
| Renter Occupied HU | 308 (22.3%) |
| Vacant Housing Units | 255 (18.4%) |
| Median Home Value | $426,636 |
| Average Home Value | $472,683 |
Housing Distribution
Address Breakdown
Residential
407
Single Family
405
Multi-Family
2
Businesses
68
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 1945
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97465, Port Orford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,383 (100%) |
| Owner Occupied HU | 820 (59.3%) |
| Renter Occupied HU | 308 (22.3%) |
| Vacant Housing Units | 255 (18.4%) |
| Median Home Value | $426,636 |
| Average Home Value | $472,683 |
Housing Distribution
Address Breakdown
Residential
407
Single Family
405
Multi-Family
2
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices