1304 Gracelyn StOrlandCA95963
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1304 Gracelyn St, Orland, CA, 95963 in Orland. At $419,000 it earns $2,862/mo in rent and distributes $270/mo to the owner after the $1,884/mo payment, a consistent 8.2% yield. DSCR 1.52 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $115,762 in value; $3,859/yr in principal paydown compounds ownership stake. Total projected return: $176,253.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $270 | $1,000 |
City averages based on Orland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,862 |
| Total Monthly Debt Service | $2,425 |
| DSCR Ratio | 1.18x |
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 2013
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95963, Orland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,336 (100%) |
| Owner Occupied HU | 3,864 (61.0%) |
| Renter Occupied HU | 2,104 (33.2%) |
| Vacant Housing Units | 368 ( 5.8%) |
| Median Home Value | $410,399 |
| Average Home Value | $507,132 |
Housing Distribution
Address Breakdown
Residential
5,973
Single Family
5,639
Multi-Family
334
Businesses
472
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 2013
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95963, Orland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,336 (100%) |
| Owner Occupied HU | 3,864 (61.0%) |
| Renter Occupied HU | 2,104 (33.2%) |
| Vacant Housing Units | 368 ( 5.8%) |
| Median Home Value | $410,399 |
| Average Home Value | $507,132 |
Housing Distribution
Address Breakdown
Residential
5,973
Single Family
5,639
Multi-Family
334
Businesses
472
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #SN26070905