12821 Oak Knoll AveClearlake OaksCA95423
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 12821 Oak Knoll Ave, Clearlake Oaks, CA, 95423 in Clearlake Oaks. Priced at $249,900, it generates $2,386/mo in gross rent and $840/mo in net monthly cash flow, a 11.46% yield that comfortably supports the 2.12 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,076. Five-year appreciation: $69,043. Equity from principal paydown: $2,302/yr. Total projected cumulative return: $148,841.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.0% |
| Monthly Cash Flow | $840 | $1,200 |
City averages based on Clearlake Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,386 |
| Total Monthly Debt Service | $1,446 |
| DSCR Ratio | 1.65x |
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 1958
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95423, Clearlake Oaks, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,065 (100%) |
| Owner Occupied HU | 1,568 (51.2%) |
| Renter Occupied HU | 619 (20.2%) |
| Vacant Housing Units | 878 (28.6%) |
| Median Home Value | $333,099 |
| Average Home Value | $368,791 |
Housing Distribution
Address Breakdown
Residential
1,107
Single Family
1,107
Multi-Family
0
Businesses
65
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 1958
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95423, Clearlake Oaks, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,065 (100%) |
| Owner Occupied HU | 1,568 (51.2%) |
| Renter Occupied HU | 619 (20.2%) |
| Vacant Housing Units | 878 (28.6%) |
| Median Home Value | $333,099 |
| Average Home Value | $368,791 |
Housing Distribution
Address Breakdown
Residential
1,107
Single Family
1,107
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paul Boudier • Keller Williams Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #324087581
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.