1289 Hookton RdLoletaCA95551
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1289 Hookton Rd, Loleta, CA, 95551 in Loleta at $1,450,000, 4.77% gross yield, is a market-growth asset. Rental yield 4.77%. The $5,767/mo rent partially funds the $6,520/mo debt service; the core return is the 5%/yr price growth projected to add $400,608 over five years. Ziffy Mortgage's DSCR mortgage (0.88) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $343,734.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(3,203) | $500 |
City averages based on Loleta market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,767 |
| Total Monthly Debt Service | $8,393 |
| DSCR Ratio | 0.69x |
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 1983
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95551, Loleta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 368 (53.8%) |
| Renter Occupied HU | 273 (39.9%) |
| Vacant Housing Units | 43 ( 6.3%) |
| Median Home Value | $632,609 |
| Average Home Value | $717,683 |
Housing Distribution
Address Breakdown
Residential
276
Single Family
276
Multi-Family
0
Businesses
32
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 1983
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95551, Loleta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 368 (53.8%) |
| Renter Occupied HU | 273 (39.9%) |
| Vacant Housing Units | 43 ( 6.3%) |
| Median Home Value | $632,609 |
| Average Home Value | $717,683 |
Housing Distribution
Address Breakdown
Residential
276
Single Family
276
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HBMLS
Mls ID: #272434