9630 SW Wilshire StPortlandOR97225
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 9630 SW Wilshire St, Portland, OR, 97225 in Portland at $555,000 earns $3,474/mo in rent and nets $106/mo after the $2,496/mo payment, a 7.51% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $153,336 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $5,112/yr in principal paydown, total projected return reaches $218,056.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.5% |
| Monthly Cash Flow | $106 | $450 |
City averages based on Portland market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,474 |
| Total Monthly Debt Service | $3,129 |
| DSCR Ratio | 1.11x |
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 1952
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97225, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,760 (100%) |
| Owner Occupied HU | 7,142 (56.0%) |
| Renter Occupied HU | 5,005 (39.2%) |
| Vacant Housing Units | 613 ( 4.8%) |
| Median Home Value | $808,289 |
| Average Home Value | $851,429 |
Housing Distribution
Address Breakdown
Residential
12,234
Single Family
8,960
Multi-Family
3,274
Businesses
833
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 1952
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97225, Portland, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,760 (100%) |
| Owner Occupied HU | 7,142 (56.0%) |
| Renter Occupied HU | 5,005 (39.2%) |
| Vacant Housing Units | 613 ( 4.8%) |
| Median Home Value | $808,289 |
| Average Home Value | $851,429 |
Housing Distribution
Address Breakdown
Residential
12,234
Single Family
8,960
Multi-Family
3,274
Businesses
833
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices