125 Oakbrook LaneCloverdaleCA95425
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing125 Oakbrook Lane, Cloverdale, CA, 95425 in Cloverdale is a stable, well-positioned rental at $749,000. Rental yield 6.1%. DSCR 1.19 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $206,935 in value and $6,898/yr in principal paydown builds equity, a total projected return of $225,180.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 7.0% |
| Monthly Cash Flow | $(1,157) | $500 |
City averages based on Cloverdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,014 |
| Total Monthly Debt Service | $4,651 |
| 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.
Single Family
Built in 1990
0.26 Acres lot
$N/A/sqft
$355 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95425, Cloverdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,610 (100%) |
| Owner Occupied HU | 2,768 (60.0%) |
| Renter Occupied HU | 1,508 (32.7%) |
| Vacant Housing Units | 334 ( 7.2%) |
| Median Home Value | $681,283 |
| Average Home Value | $827,243 |
Housing Distribution
Address Breakdown
Residential
4,471
Single Family
4,189
Multi-Family
282
Businesses
413
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 1990
0.26 Acres lot
$N/A/sqft
$355 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95425, Cloverdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,610 (100%) |
| Owner Occupied HU | 2,768 (60.0%) |
| Renter Occupied HU | 1,508 (32.7%) |
| Vacant Housing Units | 334 ( 7.2%) |
| Median Home Value | $681,283 |
| Average Home Value | $827,243 |
Housing Distribution
Address Breakdown
Residential
4,471
Single Family
4,189
Multi-Family
282
Businesses
413
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jina Marie Ellsworth • W Real Estate
Mls Name: BAREIS
Mls Provider:
Mls ID: #325038337
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