10049 Billings RdLive OakCA95953
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 10049 Billings Rd, Live Oak, CA, 95953 in Live Oak deserves attention. This $323,500 property earns $3,139/mo in rent, a 11.64% gross yield, and nets $1,138/mo after the $1,455/mo payment. DSCR 2.16 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $89,377 compounds alongside $2,979/yr in yearly equity build, for a total cumulative return of $195,905.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.0% |
| Monthly Cash Flow | $1,138 | $1,200 |
City averages based on Live Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,139 |
| Total Monthly Debt Service | $1,873 |
| DSCR Ratio | 1.68x |
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.
Manufactured
Built in 2000
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95953, Live Oak, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,437 (62.7%) |
| Renter Occupied HU | 1,282 (33.0%) |
| Vacant Housing Units | 166 ( 4.3%) |
| Median Home Value | $401,534 |
| Average Home Value | $450,676 |
Housing Distribution
Address Breakdown
Residential
3,781
Single Family
3,375
Multi-Family
406
Businesses
166
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
Manufactured
Built in 2000
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95953, Live Oak, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,437 (62.7%) |
| Renter Occupied HU | 1,282 (33.0%) |
| Vacant Housing Units | 166 ( 4.3%) |
| Median Home Value | $401,534 |
| Average Home Value | $450,676 |
Housing Distribution
Address Breakdown
Residential
3,781
Single Family
3,375
Multi-Family
406
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mitch Craighead • Diamond Quality Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225088130