937 Sierra StValeOR97918
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 937 Sierra St, Vale, OR, 97918 in Vale. Rental yield 2.83%. At $299,900 with 2.83% gross yield, current distributions are modest, but the 5% appreciation rate projects $82,857 in new equity by year five, complemented by $2,762/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.52) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $42,571.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.2% |
| Monthly Cash Flow | $(1,102) | $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 | $708 |
| Total Monthly Debt Service | $1,691 |
| DSCR Ratio | 0.42x |
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 2026
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97918, Vale, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,784 (100%) |
| Owner Occupied HU | 1,138 (63.8%) |
| Renter Occupied HU | 477 (26.7%) |
| Vacant Housing Units | 169 ( 9.5%) |
| Median Home Value | $342,986 |
| Average Home Value | $531,397 |
Housing Distribution
Address Breakdown
Residential
1,697
Single Family
1,669
Multi-Family
28
Businesses
160
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 2026
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97918, Vale, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,784 (100%) |
| Owner Occupied HU | 1,138 (63.8%) |
| Renter Occupied HU | 477 (26.7%) |
| Vacant Housing Units | 169 ( 9.5%) |
| Median Home Value | $342,986 |
| Average Home Value | $531,397 |
Housing Distribution
Address Breakdown
Residential
1,697
Single Family
1,669
Multi-Family
28
Businesses
160
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices