1178 Humbug WayAuburnCA95603
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1178 Humbug Way, Auburn, CA, 95603 in Auburn at $869,000, 5.52% gross yield, is a market-growth asset. Rental yield 5.52%. The $3,997/mo rent partially funds the $3,908/mo debt service; the core return is the 5%/yr price growth projected to add $240,089 over five years. Ziffy Mortgage's DSCR mortgage (1.02) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $220,497.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.2% |
| Monthly Cash Flow | $(1,716) | $300 |
City averages based on Auburn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,997 |
| Total Monthly Debt Service | $5,368 |
| DSCR Ratio | 0.74x |
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 2001
10,742 sqft lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95603, Auburn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,477 (100%) |
| Owner Occupied HU | 7,791 (62.4%) |
| Renter Occupied HU | 3,992 (32.0%) |
| Vacant Housing Units | 694 ( 5.6%) |
| Median Home Value | $704,391 |
| Average Home Value | $731,133 |
Housing Distribution
Address Breakdown
Residential
12,000
Single Family
10,650
Multi-Family
1,350
Businesses
1,570
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 2001
10,742 sqft lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95603, Auburn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,477 (100%) |
| Owner Occupied HU | 7,791 (62.4%) |
| Renter Occupied HU | 3,992 (32.0%) |
| Vacant Housing Units | 694 ( 5.6%) |
| Median Home Value | $704,391 |
| Average Home Value | $731,133 |
Housing Distribution
Address Breakdown
Residential
12,000
Single Family
10,650
Multi-Family
1,350
Businesses
1,570
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joanne "Jo" Barragan • eXp Realty of California Inc.
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225049547
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