175 Stoney Oaks LoopBangorCA95914
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 175 Stoney Oaks Loop, Bangor, CA, 95914 in Bangor deserves attention. This $220,000 property earns $2,017/mo in rent, a 11% gross yield, and nets $656/mo after the $989/mo payment. DSCR 2.04 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $60,782 compounds alongside $2,026/yr in yearly equity build, for a total cumulative return of $125,666.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 8.0% |
| Monthly Cash Flow | $656 | $1,500 |
City averages based on Bangor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,017 |
| Total Monthly Debt Service | $1,273 |
| DSCR Ratio | 1.58x |
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 1985
40 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95914, Bangor, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 125 (100%) |
| Owner Occupied HU | 89 (71.2%) |
| Renter Occupied HU | 13 (10.4%) |
| Vacant Housing Units | 23 (18.4%) |
| Median Home Value | $442,647 |
| Average Home Value | $440,506 |
Housing Distribution
Address Breakdown
Residential
90
Single Family
90
Multi-Family
0
Businesses
13
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 1985
40 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95914, Bangor, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 125 (100%) |
| Owner Occupied HU | 89 (71.2%) |
| Renter Occupied HU | 13 (10.4%) |
| Vacant Housing Units | 23 (18.4%) |
| Median Home Value | $442,647 |
| Average Home Value | $440,506 |
Housing Distribution
Address Breakdown
Residential
90
Single Family
90
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A