16410 Tish A Tang RdLower LakeCA95457
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 16410 Tish A Tang Rd, Lower Lake, CA, 95457 in Lower Lake worth study. Rental yield 3.12%. The 3.12% gross yield is below cash-flow benchmarks at $439,000, but 5% annual appreciation, adding $121,288 over five years, frames this as a capital growth position. Rent of $1,140/mo partially offsets the $1,974/mo payment. Ziffy Mortgage finances appreciation-play properties (0.58 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $65,052.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 8.0% |
| Monthly Cash Flow | $(1,576) | $200 |
City averages based on Lower Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,140 |
| Total Monthly Debt Service | $2,541 |
| DSCR Ratio | 0.45x |
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.
Manufactured
Built in 2013
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95457, Lower Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,680 (100%) |
| Owner Occupied HU | 998 (59.4%) |
| Renter Occupied HU | 288 (17.1%) |
| Vacant Housing Units | 394 (23.5%) |
| Median Home Value | $431,579 |
| Average Home Value | $556,450 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
1,011
Multi-Family
0
Businesses
131
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
Manufactured
Built in 2013
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95457, Lower Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,680 (100%) |
| Owner Occupied HU | 998 (59.4%) |
| Renter Occupied HU | 288 (17.1%) |
| Vacant Housing Units | 394 (23.5%) |
| Median Home Value | $431,579 |
| Average Home Value | $556,450 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
1,011
Multi-Family
0
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jessica Spencer • Century 21 Epic-Clearlake
Mls Name: CRMLS
Mls ID: #LC25119029