10835 Mason RdUpper LakeCA95485
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 10835 Mason Rd, Upper Lake, CA, 95485 in Upper Lake fits: $550,000, 5.77% gross yield, and a projected 5% annual appreciation rate adding $151,955 in value within five years. Rental yield 5.77%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.07) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,066/yr in principal paydown and $151,955 in appreciation project a total return of $159,834.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.0% |
| Monthly Cash Flow | $(758) | $500 |
City averages based on Upper Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,645 |
| Total Monthly Debt Service | $3,184 |
| DSCR Ratio | 0.83x |
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.
Manufactured
Built in 2007
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
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 2007
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices