142 E Branch RdGarbervilleCA95542
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 142 E Branch Rd, Garberville, CA, 95542 in Garberville is narrow, $121/mo net on $3,368/mo rent after the $2,361/mo debt service, but the property operates at break-even-plus, not a loss. At $525,000 with a 7.7% yield, the long-run equity case via 5% appreciation ($145,048 over five years) and $4,835/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $206,788.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $121 | $1,200 |
City averages based on Garberville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,368 |
| Total Monthly Debt Service | $3,039 |
| DSCR Ratio | 1.11x |
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.
Home Type Unknown
Built in 1994
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95542, Garberville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,981 (100%) |
| Owner Occupied HU | 967 (48.8%) |
| Renter Occupied HU | 605 (30.5%) |
| Vacant Housing Units | 409 (20.6%) |
| Median Home Value | $612,699 |
| Average Home Value | $620,739 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
817
Multi-Family
25
Businesses
200
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
Home Type Unknown
Built in 1994
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95542, Garberville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,981 (100%) |
| Owner Occupied HU | 967 (48.8%) |
| Renter Occupied HU | 605 (30.5%) |
| Vacant Housing Units | 409 (20.6%) |
| Median Home Value | $612,699 |
| Average Home Value | $620,739 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
817
Multi-Family
25
Businesses
200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A