USDV Capital
Garden Home-Whitford real estate

Garden Home-Whitford

Garden Home-Whitford, Washington County · Portland-Vancouver-Hillsboro, OR-WA

Median Home Value

$625,499

-2.5%

Est. Cap Rate

2.3%

Based on rent yield × 65%

Vacancy Rate

1.0%

68% owner-occupied

Population

7K

Median income: $93,345

D
30/100Caution

Investment ScoreGarden Home-Whitford

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate2.3%
Rent Yield3.6%
Affordability$625,499
Occupancy99.0%
Appreciation-2.5%

Garden Home-Whitford Investment Analysis

Garden Home-Whitford is a smaller market (7K residents) with median values at $625,499. The 2.3% cap rate positions Garden Home-Whitford as a premium appreciation market where equity growth drives returns. A modest 2.5% year-over-year decline suggests the market is cooling — favorable for buyers negotiating from strength. A healthy 32% renter population supports median rents of $1,901/month, providing reliable income streams for buy-and-hold investors. Garden Home-Whitford's housing stock is 26% multifamily — indicating strong institutional investor interest and potential for 2-4 unit or small multifamily acquisitions.

Market Profile
Avg: 42/100
Cash Flow2.3% cap
Appreciation-2.5% YoY
Affordability$625K
Occupancy99.0% occ.
Rent Yield3.6%
Employment100.0%
Price vs. Rent Analysis
Price-to-Rent Ratio27.4x
Cash FlowBalancedAppreciation

Appreciation-driven market — growth potential offsets thinner cash flow

Median Home Value

Zillow ZHVI

$625,499
Median Monthly Rent

Zillow ZORI

$1,901
Annual Rent
$22,812
Gross Rent Yield

Annual rent ÷ home value

3.6%

Market Details

Housing Stock

4K units

Single-family: 3K

Multifamily: 905 (25.6%)

Investment Metrics

Gross Yield 3.6%

Cap Rate 2.3%

Price-to-Rent 27.4 (Favors renting)

Property Tax $5,231/yr

Demographics

Median Income $93,345

Median Age 46.2

Employment 100.0%

Home Value Trends

1-Year Appreciation -2.5%

3-Year Appreciation +1.1%

5-Year Appreciation +19.1%

Rental Market

$1,901/mo

Renter population: 31.7%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population7K

5K/sq mi

Median Income$93,345

$62,968 per capita

Employment100.0%

5.1% unemployment

Occupancy99.0%

31.7% renters

College Educated65.5%
Median Age: 46.24K Housing UnitsMedian Built: 1978
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Property Details

$625,499
$100K$2M
25% ($156,375)
15%50%
7.50%
6%10%
$1,901

Investment Projection

Monthly Cash Flow

-$2,161

Cash-on-Cash

-16.6%

DSCR Ratio

0.58

Annual Cash Flow

-$25,933

Monthly P&I: $3,280 | Est. Expenses: $782

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Garden Home-Whitford Investment Report

Comprehensive city market analysis

+12.4%
$485K
8.2%
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Make data-driven investment decisions with our comprehensive city report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Garden Home-Whitford deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
Get Pre-Qualified
Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
Get Pre-Qualified
Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
Get Pre-Qualified
DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
Get Pre-Qualified

Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
Schedule a Consultation
Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
Schedule a Consultation

Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Garden Home-Whitford opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000