BCE #46 Plan, Bear Creek EstatesMedfordOR97501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. Rental yield 8.61%. BCE #46 Plan, Bear Creek Estates, Medford, OR, 97501 in Medford achieves a 1.60 ratio at $229,990: $1,650/mo rent versus $1,034/mo debt service. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.61% yield compounds alongside 5% annual appreciation projecting $63,542 in value. Total projected cumulative return: $46,939.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.5% |
| Monthly Cash Flow | $(688) | $450 |
City averages based on Medford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,650 |
| Total Monthly Debt Service | $2,247 |
| DSCR Ratio | 0.73x |
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.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
$950 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97501, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,756 (100%) |
| Owner Occupied HU | 10,498 (53.1%) |
| Renter Occupied HU | 8,063 (40.8%) |
| Vacant Housing Units | 1,195 ( 6.0%) |
| Median Home Value | $390,370 |
| Average Home Value | $417,272 |
Housing Distribution
Address Breakdown
Residential
18,140
Single Family
17,280
Multi-Family
860
Businesses
2,541
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
Manufactured
Built in 2026
N/A lot
$N/A/sqft
$950 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97501, Medford, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,756 (100%) |
| Owner Occupied HU | 10,498 (53.1%) |
| Renter Occupied HU | 8,063 (40.8%) |
| Vacant Housing Units | 1,195 ( 6.0%) |
| Median Home Value | $390,370 |
| Average Home Value | $417,272 |
Housing Distribution
Address Breakdown
Residential
18,140
Single Family
17,280
Multi-Family
860
Businesses
2,541
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
