125 Shadowbrook StLoletaCA95551
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 125 Shadowbrook St, Loleta, CA, 95551 in Loleta at $419,900 earns $2,623/mo in rent and nets $26/mo after the $1,888/mo payment, a 7.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $116,011 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $3,867/yr in principal paydown, total projected return reaches $160,876.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $26 | $500 |
City averages based on Loleta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,623 |
| Total Monthly Debt Service | $2,431 |
| 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 2009
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95551, Loleta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 368 (53.8%) |
| Renter Occupied HU | 273 (39.9%) |
| Vacant Housing Units | 43 ( 6.3%) |
| Median Home Value | $632,609 |
| Average Home Value | $717,683 |
Housing Distribution
Address Breakdown
Residential
276
Single Family
276
Multi-Family
0
Businesses
32
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 2009
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95551, Loleta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 368 (53.8%) |
| Renter Occupied HU | 273 (39.9%) |
| Vacant Housing Units | 43 ( 6.3%) |
| Median Home Value | $632,609 |
| Average Home Value | $717,683 |
Housing Distribution
Address Breakdown
Residential
276
Single Family
276
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robin Ronay • RE/MAX Humboldt Realty
Mls Name: HBMLS
Mls ID: #269609