12325 La Gallina Ave, Waterford, CA, 95386 | $537/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Waterford at 12325 La Gallina Ave, Waterford, CA, 95386 offers a 9.47% rental yield on a $315,000 purchase with $2,486/mo rent. Total monthly income registers $2,486/mo, and a $1,542/mo payment leaves $537/mo available for distribution. Annual cash flow reaches $6,445/yr on $104,423 to close, and return on cash invested stands at 26.08% in year one. Equity gained on principal adds $2,033/yr while 5% annual appreciation supports $87,029 over five years. Portfolio math shows five-year ROI at 135.98% and total cumulative return in cash at $141,989. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $2,486/mo property income against a $1,542/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 1960

5,998 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 95386, Waterford, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	3,538 (100%)
Owner Occupied HU	2,298 (65.0%)
Renter Occupied HU	1,124 (31.8%)
Vacant Housing Units	116 ( 3.3%)
Median Home Value	$468,277
Average Home Value	$559,281