145 Orchard WayMyers FlatCA95554
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.61% yield at 145 Orchard Way, Myers Flat, CA, 95554 in Myers Flat is solid, but the $674/mo payment compresses net cash flow to $181/mo at $149,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $41,415 by year five, and $1,381/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.78) without U.S. income documentation. Total projected return: $68,891.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $181 | $300 |
City averages based on Myers Flat market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $960 |
| DSCR Ratio | 1.25x |
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 1960
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95554, Myers Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 634 (100%) |
| Owner Occupied HU | 314 (49.5%) |
| Renter Occupied HU | 144 (22.7%) |
| Vacant Housing Units | 176 (27.8%) |
| Median Home Value | $599,576 |
| Average Home Value | $641,481 |
Housing Distribution
Address Breakdown
Residential
111
Single Family
111
Multi-Family
0
Businesses
13
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 1960
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95554, Myers Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 634 (100%) |
| Owner Occupied HU | 314 (49.5%) |
| Renter Occupied HU | 144 (22.7%) |
| Vacant Housing Units | 176 (27.8%) |
| Median Home Value | $599,576 |
| Average Home Value | $641,481 |
Housing Distribution
Address Breakdown
Residential
111
Single Family
111
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Leonard Ilgunas • Humboldt North Star Real Estate
Mls Name: HBMLS
Mls Provider:
Mls ID: #268529
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.