14 Channel TractEcho LakeCA95721
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder14 Channel Tract, Echo Lake, CA, 95721 in Echo Lake earns a respectable 7.76% gross yield at $575,000, but after the $2,586/mo mortgage the net cash flow is $163/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.44) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $158,862 over five years, making equity the dominant return driver. Total projected return: $228,511.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 8.0% |
| Monthly Cash Flow | $163 | $1,500 |
City averages based on Echo Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,720 |
| Total Monthly Debt Service | $3,328 |
| DSCR Ratio | 1.12x |
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 1939
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95721, Echo Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 96 (100%) |
| Owner Occupied HU | 8 ( 8.3%) |
| Renter Occupied HU | 2 ( 2.1%) |
| Vacant Housing Units | 86 (89.6%) |
| Median Home Value | $625,000 |
| Average Home Value | $625,000 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
0
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 1939
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95721, Echo Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 96 (100%) |
| Owner Occupied HU | 8 ( 8.3%) |
| Renter Occupied HU | 2 ( 2.1%) |
| Vacant Housing Units | 86 (89.6%) |
| Median Home Value | $625,000 |
| Average Home Value | $625,000 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jessica A Woods • Sierra Sotheby's Int'l Realty
Mls Name: STAOR
Mls ID: #142169