147 S Auburn StGrass ValleyCA95945
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.59% gross rental yield, 147 S Auburn St, Grass Valley, CA, 95945 in Grass Valley is priced for capital growth, not immediate cash flow. The $602,500 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $166,460 by year five, with $5,549/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.04) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $169,069.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 7.0% |
| Monthly Cash Flow | $(923) | $300 |
City averages based on Grass Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,804 |
| Total Monthly Debt Service | $3,487 |
| DSCR Ratio | 0.80x |
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 1944
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95945, Grass Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,659 (100%) |
| Owner Occupied HU | 6,915 (54.6%) |
| Renter Occupied HU | 4,685 (37.0%) |
| Vacant Housing Units | 1,059 ( 8.4%) |
| Median Home Value | $613,070 |
| Average Home Value | $654,818 |
Housing Distribution
Address Breakdown
Residential
11,334
Single Family
9,686
Multi-Family
1,648
Businesses
1,679
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 1944
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95945, Grass Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,659 (100%) |
| Owner Occupied HU | 6,915 (54.6%) |
| Renter Occupied HU | 4,685 (37.0%) |
| Vacant Housing Units | 1,059 ( 8.4%) |
| Median Home Value | $613,070 |
| Average Home Value | $654,818 |
Housing Distribution
Address Breakdown
Residential
11,334
Single Family
9,686
Multi-Family
1,648
Businesses
1,679
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