0 Valley Oak DrWintersCA95694
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 0 Valley Oak Dr, Winters, CA, 95694 in Winters speaks for itself: 14.53% gross on a $195,000 price, generating $2,360/mo in rent and $1,154/mo in net income after the $877/mo debt service. DSCR 2.69, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $13,849 stacks alongside $53,875 in projected five-year appreciation and $1,796/yr in principal reduction. Projected total cumulative return: $148,225.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.5% | 5.0% |
| Monthly Cash Flow | $1,154 | $250 |
City averages based on Winters market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,360 |
| Total Monthly Debt Service | $1,129 |
| DSCR Ratio | 2.09x |
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
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95694, Winters, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,900 (100%) |
| Owner Occupied HU | 2,516 (64.5%) |
| Renter Occupied HU | 1,152 (29.5%) |
| Vacant Housing Units | 232 ( 5.9%) |
| Median Home Value | $637,705 |
| Average Home Value | $771,853 |
Housing Distribution
Address Breakdown
Residential
3,592
Single Family
3,280
Multi-Family
312
Businesses
300
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
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95694, Winters, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,900 (100%) |
| Owner Occupied HU | 2,516 (64.5%) |
| Renter Occupied HU | 1,152 (29.5%) |
| Vacant Housing Units | 232 ( 5.9%) |
| Median Home Value | $637,705 |
| Average Home Value | $771,853 |
Housing Distribution
Address Breakdown
Residential
3,592
Single Family
3,280
Multi-Family
312
Businesses
300
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nanci Mcnunn-Ladd • KW Vaca Valley
Mls Name: BAREIS
Mls Provider:
Mls ID: #221134022
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2024 Bay Area Real Estate Information Services, Inc. All Right Reserved.