1148 Independence RdRailroad FlatCA95248
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 1148 Independence Rd, Railroad Flat, CA, 95248 in Railroad Flat is straightforward: $150,000 in, $1,206/mo in rent, $278/mo out after debt service. The 9.65% gross yield and 1.79 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $41,442 by year five. With $1,382/yr in principal equity, the total cumulative return is projected at $74,840.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 5.0% |
| Monthly Cash Flow | $278 | $1,200 |
City averages based on Railroad Flat market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,206 |
| Total Monthly Debt Service | $868 |
| DSCR Ratio | 1.39x |
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 1947
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95248, Rail Road Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 160 (54.2%) |
| Renter Occupied HU | 30 (10.2%) |
| Vacant Housing Units | 105 (35.6%) |
| Median Home Value | $507,937 |
| Average Home Value | $570,797 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
12
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 1947
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95248, Rail Road Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 160 (54.2%) |
| Renter Occupied HU | 30 (10.2%) |
| Vacant Housing Units | 105 (35.6%) |
| Median Home Value | $507,937 |
| Average Home Value | $570,797 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicole Goostree • Land & Home Company
Mls Name: CCARMLS
Mls ID: #202402102
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.