0 Harper RdBig Oak FlatCA95305
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 0 Harper Rd, Big Oak Flat, CA, 95305 in Big Oak Flat deserves attention. This $109,000 property earns $1,804/mo in rent, a 19.86% gross yield, and nets $1,129/mo after the $490/mo payment. DSCR 3.68 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $30,115 compounds alongside $1,004/yr in yearly equity build, for a total cumulative return of $114,069.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.9% | 6.5% |
| Monthly Cash Flow | $1,129 | $1,500 |
City averages based on Big Oak Flat market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,804 |
| Total Monthly Debt Service | $631 |
| DSCR Ratio | 2.86x |
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.
Lot
Built in N/A
19.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95305, Big Oak Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 72 (100%) |
| Owner Occupied HU | 43 (59.7%) |
| Renter Occupied HU | 18 (25.0%) |
| Vacant Housing Units | 11 (15.3%) |
| Median Home Value | $522,059 |
| Average Home Value | $681,686 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
29
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
Lot
Built in N/A
19.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95305, Big Oak Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 72 (100%) |
| Owner Occupied HU | 43 (59.7%) |
| Renter Occupied HU | 18 (25.0%) |
| Vacant Housing Units | 11 (15.3%) |
| Median Home Value | $522,059 |
| Average Home Value | $681,686 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices