1233 Cedar Hill RdRail Road FlatCA95248
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow1233 Cedar Hill Rd, Rail Road Flat, CA, 95248 in Rail Road Flat is a top-tier cash-flow asset. At $155,500 it produces $1,972/mo in rent and $1,010/mo in net monthly income, a 15.21% gross rental yield. The DSCR of 2.82 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,116. Five-year appreciation adds $42,962, driving a total cumulative return of $124,010.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.2% | 6.0% |
| Monthly Cash Flow | $1,010 | $200 |
City averages based on Rail Road Flat market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,972 |
| Total Monthly Debt Service | $900 |
| DSCR Ratio | 2.19x |
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.
Lot
Built in N/A
15.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95248, Rail Road Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 160 (54.2%) |
| Renter Occupied HU | 30 (10.2%) |
| Vacant Housing Units | 105 (35.6%) |
| Median Home Value | $507,937 |
| Average Home Value | $570,797 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
12
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
Lot
Built in N/A
15.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95248, Rail Road Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 160 (54.2%) |
| Renter Occupied HU | 30 (10.2%) |
| Vacant Housing Units | 105 (35.6%) |
| Median Home Value | $507,937 |
| Average Home Value | $570,797 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices