1425 Winkle DrChicoCA95926
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 1425 Winkle Dr, Chico, CA, 95926 in Chico at $649,000. Rental yield 6.93%. The 6.93% yield and 1.29 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $179,307 by year five, and $5,977/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $229,063.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.0% |
| Monthly Cash Flow | $(265) | $200 |
City averages based on Chico market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,750 |
| Total Monthly Debt Service | $3,757 |
| DSCR Ratio | 1.00x |
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 1981
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95926, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,532 (100%) |
| Owner Occupied HU | 6,854 (39.1%) |
| Renter Occupied HU | 9,482 (54.1%) |
| Vacant Housing Units | 1,196 ( 6.8%) |
| Median Home Value | $479,496 |
| Average Home Value | $534,728 |
Housing Distribution
Address Breakdown
Residential
16,073
Single Family
12,262
Multi-Family
3,811
Businesses
1,313
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 1981
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95926, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,532 (100%) |
| Owner Occupied HU | 6,854 (39.1%) |
| Renter Occupied HU | 9,482 (54.1%) |
| Vacant Housing Units | 1,196 ( 6.8%) |
| Median Home Value | $479,496 |
| Average Home Value | $534,728 |
Housing Distribution
Address Breakdown
Residential
16,073
Single Family
12,262
Multi-Family
3,811
Businesses
1,313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82042537