1282/1292 Madison StFerndaleCA95536
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 1282/1292 Madison St, Ferndale, CA, 95536 in Ferndale offers a clean, manageable entry. Rental yield 6.21%. DSCR 1.15 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $186,490 in additional property value over five years, with $6,217/yr in principal equity building ownership stake. Total projected cumulative return: $212,064.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.0% |
| Monthly Cash Flow | $(683) | $1,500 |
City averages based on Ferndale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,493 |
| Total Monthly Debt Service | $3,907 |
| DSCR Ratio | 0.89x |
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 1965
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95536, Ferndale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,363 (100%) |
| Owner Occupied HU | 728 (53.4%) |
| Renter Occupied HU | 434 (31.8%) |
| Vacant Housing Units | 201 (14.7%) |
| Median Home Value | $647,500 |
| Average Home Value | $719,488 |
Housing Distribution
Address Breakdown
Residential
676
Single Family
676
Multi-Family
0
Businesses
159
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 1965
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95536, Ferndale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,363 (100%) |
| Owner Occupied HU | 728 (53.4%) |
| Renter Occupied HU | 434 (31.8%) |
| Vacant Housing Units | 201 (14.7%) |
| Median Home Value | $647,500 |
| Average Home Value | $719,488 |
Housing Distribution
Address Breakdown
Residential
676
Single Family
676
Multi-Family
0
Businesses
159
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kim & Josh Quintal • EXP Realty of California, Inc.
Mls Name: HBMLS
Mls Provider:
Mls ID: #267841
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.