1438 Lofty LnParadiseCA95969
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 1438 Lofty Ln, Paradise, CA, 95969 in Paradise at $450,000. Rental yield 6.73%. The 6.73% yield and 1.25 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 $124,327 by year five, and $4,145/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $154,008.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.0% |
| Monthly Cash Flow | $(259) | $2,500 |
City averages based on Paradise market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,525 |
| Total Monthly Debt Service | $2,605 |
| DSCR Ratio | 0.97x |
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 2024
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95969, Paradise, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,790 (100%) |
| Owner Occupied HU | 3,183 (66.5%) |
| Renter Occupied HU | 972 (20.3%) |
| Vacant Housing Units | 635 (13.3%) |
| Median Home Value | $437,431 |
| Average Home Value | $467,827 |
Housing Distribution
Address Breakdown
Residential
5,056
Single Family
4,924
Multi-Family
132
Businesses
189
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 2024
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95969, Paradise, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,790 (100%) |
| Owner Occupied HU | 3,183 (66.5%) |
| Renter Occupied HU | 972 (20.3%) |
| Vacant Housing Units | 635 (13.3%) |
| Median Home Value | $437,431 |
| Average Home Value | $467,827 |
Housing Distribution
Address Breakdown
Residential
5,056
Single Family
4,924
Multi-Family
132
Businesses
189
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices