15039 Fay RdGrass ValleyCA95949
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 15039 Fay Rd, Grass Valley, CA, 95949 in Grass Valley speaks for itself: 10.97% gross on a $479,000 price, generating $4,380/mo in rent and $1,391/mo in net income after the $2,154/mo debt service. DSCR 2.03, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,696 stacks alongside $132,339 in projected five-year appreciation and $4,412/yr in principal reduction. Projected total cumulative return: $271,255.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 7.0% |
| Monthly Cash Flow | $1,391 | $300 |
City averages based on Grass Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,380 |
| Total Monthly Debt Service | $2,798 |
| DSCR Ratio | 1.57x |
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 1970
0.54 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95949, Grass Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,407 (100%) |
| Owner Occupied HU | 7,403 (78.7%) |
| Renter Occupied HU | 1,257 (13.4%) |
| Vacant Housing Units | 747 ( 7.9%) |
| Median Home Value | $625,587 |
| Average Home Value | $673,409 |
Housing Distribution
Address Breakdown
Residential
8,792
Single Family
8,732
Multi-Family
60
Businesses
219
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 1970
0.54 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95949, Grass Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,407 (100%) |
| Owner Occupied HU | 7,403 (78.7%) |
| Renter Occupied HU | 1,257 (13.4%) |
| Vacant Housing Units | 747 ( 7.9%) |
| Median Home Value | $625,587 |
| Average Home Value | $673,409 |
Housing Distribution
Address Breakdown
Residential
8,792
Single Family
8,732
Multi-Family
60
Businesses
219
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices