162 Main StScotiaCA95565
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 162 Main St, Scotia, CA, 95565 in Scotia deserves attention. This $289,000 property earns $2,580/mo in rent, a 10.71% gross yield, and nets $792/mo after the $1,300/mo payment. DSCR 1.98 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $79,845 compounds alongside $2,662/yr in yearly equity build, for a total cumulative return of $160,540.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.0% |
| Monthly Cash Flow | $792 | $1,500 |
City averages based on Scotia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,580 |
| Total Monthly Debt Service | $1,673 |
| DSCR Ratio | 1.54x |
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 1908
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95565, Scotia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 378 (100%) |
| Owner Occupied HU | 146 (38.6%) |
| Renter Occupied HU | 144 (38.1%) |
| Vacant Housing Units | 88 (23.3%) |
| Median Home Value | $405,263 |
| Average Home Value | $453,459 |
Housing Distribution
Address Breakdown
Residential
66
Single Family
66
Multi-Family
0
Businesses
29
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 1908
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95565, Scotia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 378 (100%) |
| Owner Occupied HU | 146 (38.6%) |
| Renter Occupied HU | 144 (38.1%) |
| Vacant Housing Units | 88 (23.3%) |
| Median Home Value | $405,263 |
| Average Home Value | $453,459 |
Housing Distribution
Address Breakdown
Residential
66
Single Family
66
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices