16635 Mountain View DrCobbCA95426
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Cobb rental at 16635 Mountain View Dr, Cobb, CA, 95426 sits in the solid-income band: 8.48% gross yield, $2,296/mo rent, $285/mo net after the $1,461/mo debt service, DSCR 1.57. Entry price of $325,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $89,792 and $2,993/yr in principal reduction bring total cumulative return to $141,678.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $285 | $1,500 |
City averages based on Cobb market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,296 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 1.22x |
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 1980
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95426, Cobb, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 720 (100%) |
| Owner Occupied HU | 429 (59.6%) |
| Renter Occupied HU | 94 (13.1%) |
| Vacant Housing Units | 197 (27.4%) |
| Median Home Value | $446,639 |
| Average Home Value | $533,561 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
31
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 1980
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95426, Cobb, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 720 (100%) |
| Owner Occupied HU | 429 (59.6%) |
| Renter Occupied HU | 94 (13.1%) |
| Vacant Housing Units | 197 (27.4%) |
| Median Home Value | $446,639 |
| Average Home Value | $533,561 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: "Pi" Kimberl Stryker • Timothy Toye and Associates
Mls Name: CRMLS
Mls ID: #LC25152602