168 E 1st AveChicoCA95926
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 168 E 1st Ave, Chico, CA, 95926 in Chico is capital appreciation. Rental yield 5.55%. The 5.55% gross yield at $425,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $117,420 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.03) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $118,595.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(662) | $200 |
City averages based on Chico market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,967 |
| Total Monthly Debt Service | $2,460 |
| DSCR Ratio | 0.80x |
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.
Single Family
Built in 1923
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95926, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,532 (100%) |
| Owner Occupied HU | 6,854 (39.1%) |
| Renter Occupied HU | 9,482 (54.1%) |
| Vacant Housing Units | 1,196 ( 6.8%) |
| Median Home Value | $479,496 |
| Average Home Value | $534,728 |
Housing Distribution
Address Breakdown
Residential
16,073
Single Family
12,262
Multi-Family
3,811
Businesses
1,313
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 1923
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95926, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,532 (100%) |
| Owner Occupied HU | 6,854 (39.1%) |
| Renter Occupied HU | 9,482 (54.1%) |
| Vacant Housing Units | 1,196 ( 6.8%) |
| Median Home Value | $479,496 |
| Average Home Value | $534,728 |
Housing Distribution
Address Breakdown
Residential
16,073
Single Family
12,262
Multi-Family
3,811
Businesses
1,313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Heather Cooper • Willow & Birch Realty, Inc
Mls Name: CRMLS
Mls ID: #SN25215939