12068 Riata RdLower LakeCA95457
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow12068 Riata Rd, Lower Lake, CA, 95457 in Lower Lake is a top-tier cash-flow asset. At $191,582 it produces $2,238/mo in rent and $986/mo in net monthly income, a 14.02% gross rental yield. The DSCR of 2.60 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $11,831. Five-year appreciation adds $52,931, driving a total cumulative return of $136,411.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 8.0% |
| Monthly Cash Flow | $986 | $200 |
City averages based on Lower Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,238 |
| Total Monthly Debt Service | $1,176 |
| DSCR Ratio | 1.90x |
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.
Manufactured
Built in N/A
2.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95457, Lower Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,680 (100%) |
| Owner Occupied HU | 998 (59.4%) |
| Renter Occupied HU | 288 (17.1%) |
| Vacant Housing Units | 394 (23.5%) |
| Median Home Value | $431,579 |
| Average Home Value | $556,450 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
1,011
Multi-Family
0
Businesses
131
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
Manufactured
Built in N/A
2.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95457, Lower Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,680 (100%) |
| Owner Occupied HU | 998 (59.4%) |
| Renter Occupied HU | 288 (17.1%) |
| Vacant Housing Units | 394 (23.5%) |
| Median Home Value | $431,579 |
| Average Home Value | $556,450 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
1,011
Multi-Family
0
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A