115 Clay St, Ione, CA, 95640 | $910/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Ione at 115 Clay St, Ione, CA, 95640 listed at $825,000 pairs $6,014/mo rent with a $4,038/mo payment to leave $910/mo cash flow. Total monthly income runs $6,014/mo, and annual cash flow reaches $10,924/yr on $271,425 cash to close. Return on cash invested measures 24.09% in year one, and rental yield registers 8.75% at a $825,000 basis. Equity gained on principal adds $5,324/yr, and annual property appreciation at 5% supports $227,932 by year five. Five-year ROI tracks 125.2% and total cumulative return in cash totals $339,825. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $6,014/mo property income relative to a $4,038/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Multi Family

Built in 1987

10,019 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 95640, Ione, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	4,166 (100%)
Owner Occupied HU	2,970 (71.3%)
Renter Occupied HU	863 (20.7%)
Vacant Housing Units	333 ( 8.0%)
Median Home Value	$486,328
Average Home Value	$526,797