135 State StYrekaCA96097
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 135 State St, Yreka, CA, 96097 in Yreka is narrow, $119/mo net on $1,852/mo rent after the $1,259/mo debt service, but the property operates at break-even-plus, not a loss. At $280,000 with a 7.94% yield, the long-run equity case via 5% appreciation ($77,359 over five years) and $2,579/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $113,917.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $119 | $200 |
City averages based on Yreka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,852 |
| Total Monthly Debt Service | $1,621 |
| DSCR Ratio | 1.14x |
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 N/A
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96097, Yreka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,798 (100%) |
| Owner Occupied HU | 2,522 (52.6%) |
| Renter Occupied HU | 1,777 (37.0%) |
| Vacant Housing Units | 499 (10.4%) |
| Median Home Value | $340,155 |
| Average Home Value | $390,544 |
Housing Distribution
Address Breakdown
Residential
4,580
Single Family
4,028
Multi-Family
552
Businesses
710
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 N/A
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96097, Yreka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,798 (100%) |
| Owner Occupied HU | 2,522 (52.6%) |
| Renter Occupied HU | 1,777 (37.0%) |
| Vacant Housing Units | 499 (10.4%) |
| Median Home Value | $340,155 |
| Average Home Value | $390,544 |
Housing Distribution
Address Breakdown
Residential
4,580
Single Family
4,028
Multi-Family
552
Businesses
710
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tonya Jester • Cornerstone Properties
Mls Name: SMLS
Mls Provider:
Mls ID: #20250713
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.