12606 Black RdSmartsvilleCA95977
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow12606 Black Rd, Smartsville, CA, 95977 in Smartsville earns its strong cash-flow label: 10.25% yield, $2,604/mo rent, $717/mo net income, DSCR 1.90. The $305,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $84,266 by year five. Combined with $2,809/yr in principal paydown, total projected return reaches $161,870.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $717 | $1,500 |
City averages based on Smartsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,604 |
| Total Monthly Debt Service | $1,765 |
| DSCR Ratio | 1.47x |
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.
Manufactured
Built in 2000
4.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
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 2000
4.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sue Mayfield • Coldwell Banker Grass Roots Realty
Mls Name: MetroList Services of CA
Mls ID: #226016765