1163 Silvertip LnFish CampCA93623
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1163 Silvertip Ln, Fish Camp, CA, 93623 in Fish Camp is capital appreciation. Rental yield 4.36%. The 4.36% gross yield at $850,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $234,839 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.81) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $173,566.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.0% |
| Monthly Cash Flow | $(2,322) | $1,500 |
City averages based on Fish Camp market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,086 |
| Total Monthly Debt Service | $5,070 |
| DSCR Ratio | 0.61x |
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 1979
0.37 Acres lot
$N/A/sqft
$1,800 annually 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 1979
0.37 Acres lot
$N/A/sqft
$1,800 annually 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: Valerie Allen • Century 21 Select Real Estate
Mls Name: Fresno MLS
Mls ID: #628944