1174 Cummings Creek RdCarlottaCA95528
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Carlotta rental at 1174 Cummings Creek Rd, Carlotta, CA, 95528 sits in the solid-income band: 8.97% gross yield, $4,073/mo rent, $701/mo net after the $2,451/mo debt service, DSCR 1.66. Entry price of $545,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $150,573 and $5,020/yr in principal reduction bring total cumulative return to $251,828.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.0% |
| Monthly Cash Flow | $701 | $1,200 |
City averages based on Carlotta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,073 |
| Total Monthly Debt Service | $3,155 |
| DSCR Ratio | 1.29x |
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 1950
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95528, Carlotta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 486 (100%) |
| Owner Occupied HU | 290 (59.7%) |
| Renter Occupied HU | 92 (18.9%) |
| Vacant Housing Units | 104 (21.4%) |
| Median Home Value | $632,597 |
| Average Home Value | $655,319 |
Housing Distribution
Address Breakdown
Residential
366
Single Family
366
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 1950
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95528, Carlotta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 486 (100%) |
| Owner Occupied HU | 290 (59.7%) |
| Renter Occupied HU | 92 (18.9%) |
| Vacant Housing Units | 104 (21.4%) |
| Median Home Value | $632,597 |
| Average Home Value | $655,319 |
Housing Distribution
Address Breakdown
Residential
366
Single Family
366
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandra 'Sandi' DeLuca • Coldwell Banker Sellers Realty
Mls Name: HBMLS
Mls ID: #267101