140 Old Bluff RdZeniaCA95595
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 140 Old Bluff Rd, Zenia, CA, 95595 in Zenia speaks for itself: 10.53% gross on a $220,000 price, generating $1,931/mo in rent and $570/mo in net income after the $989/mo debt service. DSCR 1.95, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,838 stacks alongside $60,782 in projected five-year appreciation and $2,026/yr in principal reduction. Projected total cumulative return: $120,134.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.0% |
| Monthly Cash Flow | $570 | $1,200 |
City averages based on Zenia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,931 |
| Total Monthly Debt Service | $1,273 |
| DSCR Ratio | 1.52x |
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 1942
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95595, Zenia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 147 (100%) |
| Owner Occupied HU | 56 (38.1%) |
| Renter Occupied HU | 9 ( 6.1%) |
| Vacant Housing Units | 82 (55.8%) |
| Median Home Value | $362,500 |
| Average Home Value | $418,080 |
Housing Distribution
Address Breakdown
Residential
73
Single Family
73
Multi-Family
0
Businesses
11
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 1942
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95595, Zenia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 147 (100%) |
| Owner Occupied HU | 56 (38.1%) |
| Renter Occupied HU | 9 ( 6.1%) |
| Vacant Housing Units | 82 (55.8%) |
| Median Home Value | $362,500 |
| Average Home Value | $418,080 |
Housing Distribution
Address Breakdown
Residential
73
Single Family
73
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HBMLS
Mls ID: #271752