13249 Lake RdHickmanCA95323
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 13249 Lake Rd, Hickman, CA, 95323 in Hickman fits: $650,000, 5.1% gross yield, and a projected 5% annual appreciation rate adding $179,583 in value within five years. Rental yield 5.1%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.95) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,987/yr in principal paydown and $179,583 in appreciation project a total return of $165,587.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.5% |
| Monthly Cash Flow | $(1,257) | $1,500 |
City averages based on Hickman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,764 |
| Total Monthly Debt Service | $3,762 |
| DSCR Ratio | 0.73x |
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 1940
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95323, Hickman, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 384 (100%) |
| Owner Occupied HU | 223 (58.1%) |
| Renter Occupied HU | 146 (38.0%) |
| Vacant Housing Units | 15 ( 3.9%) |
| Median Home Value | $641,055 |
| Average Home Value | $825,404 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
332
Multi-Family
0
Businesses
49
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 1940
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95323, Hickman, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 384 (100%) |
| Owner Occupied HU | 223 (58.1%) |
| Renter Occupied HU | 146 (38.0%) |
| Vacant Housing Units | 15 ( 3.9%) |
| Median Home Value | $641,055 |
| Average Home Value | $825,404 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
332
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Janice Gikas • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls ID: #225113616