16109 Hilaire RdRough And ReadyCA95975
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 16109 Hilaire Rd, Rough And Ready, CA, 95975 in Rough And Ready speaks for itself: 14.63% gross on a $499,000 price, generating $6,085/mo in rent and $2,998/mo in net income after the $2,244/mo debt service. DSCR 2.71, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $35,979 stacks alongside $137,865 in projected five-year appreciation and $4,596/yr in principal reduction. Projected total cumulative return: $382,151.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.6% | 6.0% |
| Monthly Cash Flow | $2,998 | $300 |
City averages based on Rough And Ready market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,085 |
| Total Monthly Debt Service | $2,888 |
| DSCR Ratio | 2.11x |
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 1956
3.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95975, Rough And Ready, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 961 (100%) |
| Owner Occupied HU | 701 (72.9%) |
| Renter Occupied HU | 138 (14.4%) |
| Vacant Housing Units | 122 (12.7%) |
| Median Home Value | $619,885 |
| Average Home Value | $609,319 |
Housing Distribution
Address Breakdown
Residential
548
Single Family
548
Multi-Family
0
Businesses
27
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 1956
3.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95975, Rough And Ready, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 961 (100%) |
| Owner Occupied HU | 701 (72.9%) |
| Renter Occupied HU | 138 (14.4%) |
| Vacant Housing Units | 122 (12.7%) |
| Median Home Value | $619,885 |
| Average Home Value | $609,319 |
Housing Distribution
Address Breakdown
Residential
548
Single Family
548
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices