0 Lott Rd #1DurhamCA95938
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 0 Lott Rd #1, Durham, CA, 95938 in Durham. Priced at $200,000, it generates $2,490/mo in gross rent and $1,253/mo in net monthly cash flow, a 14.94% yield that comfortably supports the 2.77 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $15,033. Five-year appreciation: $55,256. Equity from principal paydown: $1,842/yr. Total projected cumulative return: $156,479.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.9% | 6.0% |
| Monthly Cash Flow | $1,253 | $1,500 |
City averages based on Durham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,490 |
| Total Monthly Debt Service | $1,158 |
| DSCR Ratio | 2.15x |
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
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95938, Durham, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,521 (100%) |
| Owner Occupied HU | 999 (65.7%) |
| Renter Occupied HU | 440 (28.9%) |
| Vacant Housing Units | 82 ( 5.4%) |
| Median Home Value | $676,414 |
| Average Home Value | $726,684 |
Housing Distribution
Address Breakdown
Residential
1,377
Single Family
1,377
Multi-Family
0
Businesses
163
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
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95938, Durham, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,521 (100%) |
| Owner Occupied HU | 999 (65.7%) |
| Renter Occupied HU | 440 (28.9%) |
| Vacant Housing Units | 82 ( 5.4%) |
| Median Home Value | $676,414 |
| Average Home Value | $726,684 |
Housing Distribution
Address Breakdown
Residential
1,377
Single Family
1,377
Multi-Family
0
Businesses
163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices