1626 Stepney WayPlumas LakeCA95961
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingRental yield 6.97%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $138,141, and $4,605/yr in principal equity projects total return of $177,483.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $(189) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,904 |
| Total Monthly Debt Service | $2,894 |
| DSCR Ratio | 1.00x |
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 2023
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95961, Olivehurst, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,106 (100%) |
| Owner Occupied HU | 7,417 (66.8%) |
| Renter Occupied HU | 3,043 (27.4%) |
| Vacant Housing Units | 646 ( 5.8%) |
| Median Home Value | $431,688 |
| Average Home Value | $443,252 |
Housing Distribution
Address Breakdown
Residential
10,663
Single Family
10,381
Multi-Family
282
Businesses
236
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 2023
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95961, Olivehurst, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,106 (100%) |
| Owner Occupied HU | 7,417 (66.8%) |
| Renter Occupied HU | 3,043 (27.4%) |
| Vacant Housing Units | 646 ( 5.8%) |
| Median Home Value | $431,688 |
| Average Home Value | $443,252 |
Housing Distribution
Address Breakdown
Residential
10,663
Single Family
10,381
Multi-Family
282
Businesses
236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226031632