17880 State Highway 120Big Oak FlatCA95305
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow17880 State Highway 120, Big Oak Flat, CA, 95305 in Big Oak Flat earns its strong cash-flow label: 14.31% yield, $1,490/mo rent, $717/mo net income, DSCR 2.65. The $125,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $34,535 by year five. Combined with $1,151/yr in principal paydown, total projected return reaches $93,547.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 6.5% |
| Monthly Cash Flow | $717 | $1,500 |
City averages based on Big Oak Flat market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,490 |
| Total Monthly Debt Service | $724 |
| DSCR Ratio | 2.06x |
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.
Lot
Built in N/A
16.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95305, Big Oak Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 72 (100%) |
| Owner Occupied HU | 43 (59.7%) |
| Renter Occupied HU | 18 (25.0%) |
| Vacant Housing Units | 11 (15.3%) |
| Median Home Value | $522,059 |
| Average Home Value | $681,686 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
29
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
Lot
Built in N/A
16.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95305, Big Oak Flat, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 72 (100%) |
| Owner Occupied HU | 43 (59.7%) |
| Renter Occupied HU | 18 (25.0%) |
| Vacant Housing Units | 11 (15.3%) |
| Median Home Value | $522,059 |
| Average Home Value | $681,686 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Danelle Rodgers • Coldwell Banker Mother Lode RE
Mls Name: TCAR MLS
Mls Provider:
Mls ID: #20221791
Disclaimer: Copyright Tuolumne County Association of REALTORS, Inc., all rights reserved. Information is deemed reliable but not guaranteed.