1313 Ladyfern StArbogaCA95961
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1313 Ladyfern St, Arboga, CA, 95961 in Arboga. Priced at $439,900, it generates $4,889/mo in gross rent and $2,078/mo in net monthly cash flow, a 13.34% yield that comfortably supports the 2.47 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $24,932. Five-year appreciation: $121,536. Equity from principal paydown: $4,052/yr. Total projected cumulative return: $300,896.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.3% | 5.2% |
| Monthly Cash Flow | $2,078 | $400 |
City averages based on Arboga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,889 |
| Total Monthly Debt Service | $2,636 |
| DSCR Ratio | 1.85x |
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 2017
8,451 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95961, Olivehurst, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,106 (100%) |
| Owner Occupied HU | 7,417 (66.8%) |
| Renter Occupied HU | 3,043 (27.4%) |
| Vacant Housing Units | 646 ( 5.8%) |
| Median Home Value | $431,688 |
| Average Home Value | $443,252 |
Housing Distribution
Address Breakdown
Residential
10,663
Single Family
10,381
Multi-Family
282
Businesses
236
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 2017
8,451 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95961, Olivehurst, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,106 (100%) |
| Owner Occupied HU | 7,417 (66.8%) |
| Renter Occupied HU | 3,043 (27.4%) |
| Vacant Housing Units | 646 ( 5.8%) |
| Median Home Value | $431,688 |
| Average Home Value | $443,252 |
Housing Distribution
Address Breakdown
Residential
10,663
Single Family
10,381
Multi-Family
282
Businesses
236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices