10630 Red Bluff RdShastaCA96087
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 10630 Red Bluff Rd, Shasta, CA, 96087 in Shasta: $1,908/mo in rent, $469/mo in net income, 10.06% gross yield, 1.87 DSCR, all at $227,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $62,854 in appreciation and $2,095/yr in principal paydown projects total cumulative return of $116,597.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.5% |
| Monthly Cash Flow | $469 | $250 |
City averages based on Shasta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,908 |
| Total Monthly Debt Service | $1,349 |
| DSCR Ratio | 1.41x |
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.
Single Family
Built in 1860
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96087, Shasta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 225 (100%) |
| Owner Occupied HU | 165 (73.3%) |
| Renter Occupied HU | 40 (17.8%) |
| Vacant Housing Units | 20 ( 8.9%) |
| Median Home Value | $477,273 |
| Average Home Value | $525,061 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
32
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
Single Family
Built in 1860
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96087, Shasta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 225 (100%) |
| Owner Occupied HU | 165 (73.3%) |
| Renter Occupied HU | 40 (17.8%) |
| Vacant Housing Units | 20 ( 8.9%) |
| Median Home Value | $477,273 |
| Average Home Value | $525,061 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Josh Barker • Josh Barker Real Estate
Mls Name: SMLS
Mls Provider:
Mls ID: #25-1808
Disclaimer: Copyright Shasta Association of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.