Yakima, WA · YAKIMA County County · 2026 Population: 101,650 · NMLS #2827624 · AZ CMB #CMB-2016143

Yakima, Washington DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

Yakima, WA Local Underwriting Snapshot (YAKIMA County County): With a 2026 population of 101,650, Yakima carries an effective property tax rate of 0.83%, a median 1–4 unit investment property price of $525,000, and a median market rent of $3,500/mo. At 75% LTV ($393,750 loan amount), estimated monthly PITIA is $3,165/mo, yielding an estimated baseline DSCR of 1.11x. For 5–25+ unit apartment buildings in Yakima, typical valuation averages $220,500/door with $1,925/mo/door market rents.

County & 2026 PopulationYAKIMA County County (101,650)

Effective Property Tax Rate0.83% ($363/mo)

Median 1–4 Unit Price & Rent$525,000 · $3,500/mo

5–25+ Unit Multifamily Avg$220,500/door · $1925/mo

WA Foreclosure & SecurityNon-Judicial (Washington Deed of Trust Act — RCW 61.24) (125–150 days)

Yakima, WA Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $525,000·Loan/Door: $393,750·Avg Rent/Door: $3,500/mo

Property Value / Purchase Price$525,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,500/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 114 bps · 7500 bps LTV · 6625 bps Rate

1.14x

1.00x Breakeven DSCR Eligible (1–4 Units)

Loan Amount (75% LTV)$393,75039,375,000 _cents

Monthly P&I Debt Service$2,521/mo@ 6.625% Note Rate

Total Monthly PITIA$3,068/moTax: $363 · Ins: $184

Net Monthly Cash Flow+$432/mo$5,182/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$3,068/mo	1.14x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$3,134/mo	1.12x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,844/mo	1.23x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Yakima, WA Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Yakima (YAKIMA County County, WA) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (Form 1007 STR / 12-month booking ledger) subject to local municipal registration.

Washington Statutory Security Instrument: Loans in Yakima (YAKIMA County County) are secured via Deed of Trust (Power of Sale) under Washington's Non-Judicial (Washington Deed of Trust Act — RCW 61.24) framework (125–150 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..