12076 County Road 84aCapayCA95607
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.24% gross rental yield, 12076 County Road 84a, Capay, CA, 95607 in Capay is priced for capital growth, not immediate cash flow. The $805,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $222,407 by year five, with $7,414/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.97) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $211,181.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(1,461) | $1,200 |
City averages based on Capay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,518 |
| Total Monthly Debt Service | $4,660 |
| DSCR Ratio | 0.76x |
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.
Manufactured
Built in 1998
9.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95607, Capay, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 98 (100%) |
| Owner Occupied HU | 54 (55.1%) |
| Renter Occupied HU | 27 (27.6%) |
| Vacant Housing Units | 17 (17.3%) |
| Median Home Value | $920,000 |
| Average Home Value | $1,206,944 |
Housing Distribution
Address Breakdown
Residential
125
Single Family
125
Multi-Family
0
Businesses
3
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 1998
9.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95607, Capay, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 98 (100%) |
| Owner Occupied HU | 54 (55.1%) |
| Renter Occupied HU | 27 (27.6%) |
| Vacant Housing Units | 17 (17.3%) |
| Median Home Value | $920,000 |
| Average Home Value | $1,206,944 |
Housing Distribution
Address Breakdown
Residential
125
Single Family
125
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226024430