10815 York RdMontagueCA96064
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 10815 York Rd, Montague, CA, 96064 in Montague worth study. Rental yield 5.86%. The 5.86% gross yield is below cash-flow benchmarks at $550,000, but 5% annual appreciation, adding $151,955 over five years, frames this as a capital growth position. Rent of $2,684/mo partially offsets the $2,473/mo payment. Ziffy Mortgage finances appreciation-play properties (1.09 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $162,342.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 5.0% |
| Monthly Cash Flow | $(718) | $300 |
City averages based on Montague market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,684 |
| Total Monthly Debt Service | $3,184 |
| DSCR Ratio | 0.84x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
253.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96064, Montague, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,247 (100%) |
| Owner Occupied HU | 1,436 (63.9%) |
| Renter Occupied HU | 424 (18.9%) |
| Vacant Housing Units | 387 (17.2%) |
| Median Home Value | $375,188 |
| Average Home Value | $468,438 |
Housing Distribution
Address Breakdown
Residential
1,556
Single Family
1,520
Multi-Family
36
Businesses
75
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 N/A
253.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96064, Montague, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,247 (100%) |
| Owner Occupied HU | 1,436 (63.9%) |
| Renter Occupied HU | 424 (18.9%) |
| Vacant Housing Units | 387 (17.2%) |
| Median Home Value | $375,188 |
| Average Home Value | $468,438 |
Housing Distribution
Address Breakdown
Residential
1,556
Single Family
1,520
Multi-Family
36
Businesses
75
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lesley Jones • CENTURY 21 ADVANTAGE
Mls Name: SMLS
Mls Provider:
Mls ID: #20250277
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.