12379 Clay Station RdHeraldCA95638
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play12379 Clay Station Rd, Herald, CA, 95638 in Herald is priced for appreciation, not yield. Rental yield 5.95%. At $725,000 with a 5.95% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $200,304 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.10) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $217,707.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.0% |
| Monthly Cash Flow | $(889) | $1,200 |
City averages based on Herald market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,596 |
| Total Monthly Debt Service | $4,197 |
| DSCR Ratio | 0.86x |
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 2024
18.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95638, Herald, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 763 (100%) |
| Owner Occupied HU | 617 (80.9%) |
| Renter Occupied HU | 95 (12.5%) |
| Vacant Housing Units | 51 ( 6.7%) |
| Median Home Value | $806,332 |
| Average Home Value | $803,728 |
Housing Distribution
Address Breakdown
Residential
670
Single Family
670
Multi-Family
0
Businesses
42
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 2024
18.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95638, Herald, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 763 (100%) |
| Owner Occupied HU | 617 (80.9%) |
| Renter Occupied HU | 95 (12.5%) |
| Vacant Housing Units | 51 ( 6.7%) |
| Median Home Value | $806,332 |
| Average Home Value | $803,728 |
Housing Distribution
Address Breakdown
Residential
670
Single Family
670
Multi-Family
0
Businesses
42
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: #226071786