127 W Sonoma StEurekaCA95501
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 127 W Sonoma St, Eureka, CA, 95501 in Eureka. Priced at $220,000, it generates $3,023/mo in gross rent and $1,662/mo in net monthly cash flow, a 16.49% yield that comfortably supports the 3.06 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,942. Five-year appreciation: $60,782. Equity from principal paydown: $2,026/yr. Total projected cumulative return: $190,394.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.5% | 5.0% |
| Monthly Cash Flow | $1,662 | $300 |
City averages based on Eureka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,023 |
| Total Monthly Debt Service | $1,273 |
| DSCR Ratio | 2.37x |
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 1909
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95501, Eureka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,945 (100%) |
| Owner Occupied HU | 4,082 (37.3%) |
| Renter Occupied HU | 5,985 (54.7%) |
| Vacant Housing Units | 878 ( 8.0%) |
| Median Home Value | $495,100 |
| Average Home Value | $583,057 |
Housing Distribution
Address Breakdown
Residential
10,273
Single Family
9,532
Multi-Family
741
Businesses
1,657
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 1909
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95501, Eureka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,945 (100%) |
| Owner Occupied HU | 4,082 (37.3%) |
| Renter Occupied HU | 5,985 (54.7%) |
| Vacant Housing Units | 878 ( 8.0%) |
| Median Home Value | $495,100 |
| Average Home Value | $583,057 |
Housing Distribution
Address Breakdown
Residential
10,273
Single Family
9,532
Multi-Family
741
Businesses
1,657
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices