10804 Granite DrShastaCA96087
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 10804 Granite Dr, Shasta, CA, 96087 in Shasta speaks for itself: 15.66% gross on a $115,000 price, generating $1,501/mo in rent and $790/mo in net income after the $517/mo debt service. DSCR 2.90, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,476 stacks alongside $31,772 in projected five-year appreciation and $1,059/yr in principal reduction. Projected total cumulative return: $94,451.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.7% | 6.5% |
| Monthly Cash Flow | $790 | $250 |
City averages based on Shasta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,501 |
| Total Monthly Debt Service | $666 |
| DSCR Ratio | 2.25x |
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
1.89 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
Lot
Built in N/A
1.89 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