13791 Lakeshore DrClearlakeCA95422
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 13791 Lakeshore Dr, Clearlake, CA, 95422 in Clearlake fits: $329,000, 5.31% gross yield, and a projected 5% annual appreciation rate adding $90,897 in value within five years. Rental yield 5.31%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.99) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,030/yr in principal paydown and $90,897 in appreciation project a total return of $87,611.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 7.0% |
| Monthly Cash Flow | $(578) | $1,200 |
City averages based on Clearlake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,457 |
| Total Monthly Debt Service | $1,904 |
| DSCR Ratio | 0.77x |
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 1965
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95422, Clearlake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,385 (100%) |
| Owner Occupied HU | 3,856 (46.0%) |
| Renter Occupied HU | 2,825 (33.7%) |
| Vacant Housing Units | 1,704 (20.3%) |
| Median Home Value | $215,762 |
| Average Home Value | $288,917 |
Housing Distribution
Address Breakdown
Residential
5,743
Single Family
5,365
Multi-Family
378
Businesses
404
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 1965
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95422, Clearlake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,385 (100%) |
| Owner Occupied HU | 3,856 (46.0%) |
| Renter Occupied HU | 2,825 (33.7%) |
| Vacant Housing Units | 1,704 (20.3%) |
| Median Home Value | $215,762 |
| Average Home Value | $288,917 |
Housing Distribution
Address Breakdown
Residential
5,743
Single Family
5,365
Multi-Family
378
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Racine Eich • RE/MAX Gold Lake County
Mls Name: CRMLS
Mls ID: #LC25274344