12886 4th StClearlake OaksCA95423
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 12886 4th St, Clearlake Oaks, CA, 95423 in Clearlake Oaks speaks for itself: 11.76% gross on a $179,000 price, generating $1,754/mo in rent and $647/mo in net income after the $805/mo debt service. DSCR 2.18, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,765 stacks alongside $49,454 in projected five-year appreciation and $1,649/yr in principal reduction. Projected total cumulative return: $109,491.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.0% |
| Monthly Cash Flow | $647 | $1,200 |
City averages based on Clearlake Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,754 |
| Total Monthly Debt Service | $1,036 |
| DSCR Ratio | 1.69x |
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 1976
10,362 sqft 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
Manufactured
Built in 1976
10,362 sqft 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: Sarah McGrath • RE/MAX Gold Lake County
Mls Name: CRMLS
Mls ID: #LC25274154