Rolling Tide Loop #3OceansideOR97134
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Oceanside rental at Rolling Tide Loop #3, Oceanside, OR, 97134 sits in the solid-income band: 8.17% gross yield, $4,733/mo rent, $388/mo net after the $3,125/mo debt service, DSCR 1.51. Entry price of $695,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $192,016 and $6,401/yr in principal reduction bring total cumulative return to $288,712.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $388 | $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 | $4,733 |
| Total Monthly Debt Service | $4,069 |
| DSCR Ratio | 1.16x |
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 2024
7,840 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97134, Oceanside, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 230 (100%) |
| Owner Occupied HU | 39 (17.0%) |
| Renter Occupied HU | 10 ( 4.3%) |
| Vacant Housing Units | 181 (78.7%) |
| Median Home Value | $625,000 |
| Average Home Value | $674,359 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
22
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 2024
7,840 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97134, Oceanside, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 230 (100%) |
| Owner Occupied HU | 39 (17.0%) |
| Renter Occupied HU | 10 ( 4.3%) |
| Vacant Housing Units | 181 (78.7%) |
| Median Home Value | $625,000 |
| Average Home Value | $674,359 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices