12906 5th StClearlake OaksCA95423
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Clearlake Oaks rentals match the income profile of 12906 5th St, Clearlake Oaks, CA, 95423. Listed at $277,900, gross rent is $2,705/mo and net cash flow is $986/mo, a 11.68% yield well above national averages. DSCR 2.16 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $76,779 by year five with $2,559/yr in annual principal reduction, projecting $168,847 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $986 | $1,200 |
City averages based on Clearlake Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,705 |
| Total Monthly Debt Service | $1,609 |
| DSCR Ratio | 1.68x |
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 1965
4,933 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
Single Family
Built in 1965
4,933 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