1354 Elliot Rd #25ParadiseCA95969
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1354 Elliot Rd #25, Paradise, CA, 95969 in Paradise is narrow, $164/mo net on $906/mo rent after the $540/mo debt service, but the property operates at break-even-plus, not a loss. At $119,990 with a 9.06% yield, the long-run equity case via 5% appreciation ($33,151 over five years) and $1,105/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.68 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $56,070.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $164 | $2,500 |
City averages based on Paradise market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $906 |
| Total Monthly Debt Service | $695 |
| DSCR Ratio | 1.30x |
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.
Manufactured
Built in 2021
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95969, Paradise, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,790 (100%) |
| Owner Occupied HU | 3,183 (66.5%) |
| Renter Occupied HU | 972 (20.3%) |
| Vacant Housing Units | 635 (13.3%) |
| Median Home Value | $437,431 |
| Average Home Value | $467,827 |
Housing Distribution
Address Breakdown
Residential
5,056
Single Family
4,924
Multi-Family
132
Businesses
189
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
Manufactured
Built in 2021
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95969, Paradise, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,790 (100%) |
| Owner Occupied HU | 3,183 (66.5%) |
| Renter Occupied HU | 972 (20.3%) |
| Vacant Housing Units | 635 (13.3%) |
| Median Home Value | $437,431 |
| Average Home Value | $467,827 |
Housing Distribution
Address Breakdown
Residential
5,056
Single Family
4,924
Multi-Family
132
Businesses
189
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John McDougall • Reliant Realty
Mls Name: MetroList Services of CA
Mls ID: #225108832