1551 John Dear RdRail Road FlatCA95248
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.02% gross rental yield, 1551 John Dear Rd, Rail Road Flat, CA, 95248 in Rail Road Flat is priced for capital growth, not immediate cash flow. The $1,199,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $331,262 by year five, with $11,043/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.56) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $171,264.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.0% |
| Monthly Cash Flow | $(4,404) | $200 |
City averages based on Rail Road Flat market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,013 |
| Total Monthly Debt Service | $6,940 |
| DSCR Ratio | 0.43x |
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 1992
90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95248, Rail Road Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 160 (54.2%) |
| Renter Occupied HU | 30 (10.2%) |
| Vacant Housing Units | 105 (35.6%) |
| Median Home Value | $507,937 |
| Average Home Value | $570,797 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
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 1992
90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95248, Rail Road Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 160 (54.2%) |
| Renter Occupied HU | 30 (10.2%) |
| Vacant Housing Units | 105 (35.6%) |
| Median Home Value | $507,937 |
| Average Home Value | $570,797 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tina Baumann-Aguiar • Jackson Realty, Inc.
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225030927
Disclaimer: Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. [Click here for more information](/mls-disclaimers/#16)