2847 NW Thornton Ave, Portland, OR
82
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Freehold Acquire — Sample Deal Report

2847 NW Thornton Ave

Portland, OR 97210|Multifamily|6 units|Built 1962|4,800 sq ft

List Price$685,000

Freehold Score

82out of 100STRONG BUY

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This is a well-priced 6-unit in one of Portland's strongest rental submarkets. Above-market cap rate with stable tenant demand and room for rent optimization. The numbers work at asking price — rare in this corridor.

Key Metrics

Cap Rate
7.2%
vs 6.8% market
Cash-on-Cash Return
9.1%
Year 1
DSCR
1.34x
Comfortable
Monthly Cash Flow
$2,840
After debt service

Financial Summary

Purchase & Financing

Purchase Price$685,000
Down Payment (25%)$171,250
Loan Amount$513,750
Interest Rate6.8%
Loan Term30 years
Monthly Mortgage$3,332

Revenue & Expenses

Gross Monthly Rent$8,400
Taxes$570
Insurance$280
Maintenance$420
Vacancy Reserve$420
Management$208
Total Expenses$1,898
NOI (Monthly / Annual)$6,502 / $78,024
Cash Flow After Debt$3,170

5-Year Pro Forma Projection

Year 1Year 2Year 3Year 4Year 5
Gross Rent$100,800$103,824$106,939$110,147$113,451
Vacancy Loss (5%)($5,040)($5,191)($5,347)($5,507)($5,673)
Effective Gross Income$95,760$98,633$101,592$104,640$107,779
Operating Expenses($22,776)($23,232)($23,696)($24,170)($24,653)
NOI$72,984$75,401$77,896$80,469$83,125
Debt Service($39,984)($39,984)($39,984)($39,984)($39,984)
Cash Flow$33,000$35,417$37,912$40,485$43,141
Cash-on-Cash Return19.3%20.7%22.1%23.6%25.2%
Estimated Equity$184,950$198,924$213,177$227,716$242,545

Assumes 3% annual rent growth, 2% annual expense growth, 5% vacancy reserve, 2% annual appreciation.

Market Context

Nob Hill / Northwest District

Median Rent Comp
$1,450/mo
Area Vacancy Rate
4.2%
Rent Trend YoY
+4.2%

The Nob Hill / Northwest District corridor remains one of Portland's tightest rental markets. Walkability, proximity to downtown, and limited new supply have kept vacancy under 5% for six consecutive quarters. Rent growth has outpaced the metro average, driven by demand from young professionals priced out of Pearl District.

Rental listing data·Updated Q1 2026NAA/NMHC survey data·ModeledAbout our data sources

Portfolio Impact

Portfolio Impact Analysis

If this property were added to a portfolio of 3 existing properties, Freehold estimates it would increase blended portfolio IRR by +0.8% and reduce geographic concentration risk. The Portland market adds Pacific Northwest diversification with counter-cyclical rent dynamics relative to Sun Belt exposure.

See full portfolio impact analysis with Freehold Own

Sensitivity Analysis

Interest RateEffective Rate: 6.75%
0%
-1%0%+1%
Vacancy RateEffective Vacancy: 5.0%
0%
-10%0%+10%
Rent GrowthAdj. Gross Rent: $8,400
0%
-5%0%+10%
Monthly Cash Flow$2,750Baseline
Cash-on-Cash Return19.3%Baseline
DSCR1.83xBaseline

What Would Improve This Deal?

This is already a strong deal. Negotiate closing costs or request a rate buydown to push cash-on-cash above 10%.

Market rents in Nob Hill are trending +4.2% YoY. If current rents are below $1,450/unit, you’re leaving $300/mo on the table across 6 units.

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