12075 Oak Mill DrFort JonesCA96032
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 12075 Oak Mill Dr, Fort Jones, CA, 96032 in Fort Jones. Priced at $188,000, it generates $2,158/mo in gross rent and $948/mo in net monthly cash flow, a 13.77% yield that comfortably supports the 2.55 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,381. Five-year appreciation: $51,941. Equity from principal paydown: $1,732/yr. Total projected cumulative return: $132,570.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.8% | 6.0% |
| Monthly Cash Flow | $948 | $1,200 |
City averages based on Fort Jones market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,158 |
| Total Monthly Debt Service | $1,134 |
| 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.
Single Family
Built in N/A
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96032, Fort Jones, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,277 (100%) |
| Owner Occupied HU | 790 (61.9%) |
| Renter Occupied HU | 310 (24.3%) |
| Vacant Housing Units | 177 (13.9%) |
| Median Home Value | $379,104 |
| Average Home Value | $503,788 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
568
Multi-Family
0
Businesses
115
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 N/A
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96032, Fort Jones, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,277 (100%) |
| Owner Occupied HU | 790 (61.9%) |
| Renter Occupied HU | 310 (24.3%) |
| Vacant Housing Units | 177 (13.9%) |
| Median Home Value | $379,104 |
| Average Home Value | $503,788 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
568
Multi-Family
0
Businesses
115
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices