121 Wellock RdLewistonCA96052
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 121 Wellock Rd, Lewiston, CA, 96052 in Lewiston at $439,500 earns $2,736/mo in rent and nets $17/mo after the $1,976/mo payment, a 7.47% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $121,426 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $4,048/yr in principal paydown, total projected return reaches $167,804.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.0% |
| Monthly Cash Flow | $17 | $300 |
City averages based on Lewiston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,736 |
| Total Monthly Debt Service | $2,544 |
| DSCR Ratio | 1.08x |
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 1978
2.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96052, Lewiston, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,039 (100%) |
| Owner Occupied HU | 575 (55.3%) |
| Renter Occupied HU | 157 (15.1%) |
| Vacant Housing Units | 307 (29.5%) |
| Median Home Value | $439,338 |
| Average Home Value | $537,713 |
Housing Distribution
Address Breakdown
Residential
164
Single Family
124
Multi-Family
40
Businesses
45
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 1978
2.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96052, Lewiston, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,039 (100%) |
| Owner Occupied HU | 575 (55.3%) |
| Renter Occupied HU | 157 (15.1%) |
| Vacant Housing Units | 307 (29.5%) |
| Median Home Value | $439,338 |
| Average Home Value | $537,713 |
Housing Distribution
Address Breakdown
Residential
164
Single Family
124
Multi-Family
40
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Trinity County AOR
Mls ID: #2112937