1144 Railroad AveFish CampCA93623
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1144 Railroad Ave, Fish Camp, CA, 93623 in Fish Camp the bet is firmly on appreciation. Rental yield 3.37%. The 3.37% gross yield on a $790,000 price is below income-first thresholds, but 5%/yr value growth projects $218,262 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.63) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $124,115.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.0% |
| Monthly Cash Flow | $(2,731) | $1,500 |
City averages based on Fish Camp market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $4,637 |
| DSCR Ratio | 0.48x |
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 1989
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93623, Fish Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 14 ( 8.6%) |
| Renter Occupied HU | 18 (11.0%) |
| Vacant Housing Units | 131 (80.4%) |
| Median Home Value | $666,667 |
| Average Home Value | $655,714 |
Housing Distribution
Address Breakdown
Residential
4
Single Family
4
Multi-Family
0
Businesses
21
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 1989
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93623, Fish Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 14 ( 8.6%) |
| Renter Occupied HU | 18 (11.0%) |
| Vacant Housing Units | 131 (80.4%) |
| Median Home Value | $666,667 |
| Average Home Value | $655,714 |
Housing Distribution
Address Breakdown
Residential
4
Single Family
4
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Gioia • Beycome Brokerage Realty Inc.
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML81987452
Disclaimer: Based on information from the MLSListings MLS as of 2025-06-10 02:56:20 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.