14268 Main StFrench GulchCA96033
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 14268 Main St, French Gulch, CA, 96033 in French Gulch is narrow, $56/mo net on $1,788/mo rent after the $1,259/mo debt service, but the property operates at break-even-plus, not a loss. At $279,900 with a 7.67% yield, the long-run equity case via 5% appreciation ($77,331 over five years) and $2,578/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $109,768.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $56 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,788 |
| Total Monthly Debt Service | $1,620 |
| DSCR Ratio | 1.10x |
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 1900
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96033, French Gulch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 213 (100%) |
| Owner Occupied HU | 153 (71.8%) |
| Renter Occupied HU | 22 (10.3%) |
| Vacant Housing Units | 38 (17.8%) |
| Median Home Value | $444,355 |
| Average Home Value | $467,173 |
Housing Distribution
Address Breakdown
Residential
45
Single Family
45
Multi-Family
0
Businesses
12
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 1900
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96033, French Gulch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 213 (100%) |
| Owner Occupied HU | 153 (71.8%) |
| Renter Occupied HU | 22 (10.3%) |
| Vacant Housing Units | 38 (17.8%) |
| Median Home Value | $444,355 |
| Average Home Value | $467,173 |
Housing Distribution
Address Breakdown
Residential
45
Single Family
45
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SMLS
Mls ID: #26-1560