179 Celesta DrGrass ValleyCA95945
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 179 Celesta Dr, Grass Valley, CA, 95945 in Grass Valley at $479,000 earns $3,020/mo in rent and nets $57/mo after the $2,154/mo payment, a 7.57% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $132,339 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $4,412/yr in principal paydown, total projected return reaches $185,311.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.0% |
| Monthly Cash Flow | $57 | $300 |
City averages based on Grass Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,020 |
| Total Monthly Debt Service | $2,773 |
| DSCR Ratio | 1.09x |
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 1986
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95945, Grass Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,659 (100%) |
| Owner Occupied HU | 6,915 (54.6%) |
| Renter Occupied HU | 4,685 (37.0%) |
| Vacant Housing Units | 1,059 ( 8.4%) |
| Median Home Value | $613,070 |
| Average Home Value | $654,818 |
Housing Distribution
Address Breakdown
Residential
11,334
Single Family
9,686
Multi-Family
1,648
Businesses
1,679
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 1986
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95945, Grass Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,659 (100%) |
| Owner Occupied HU | 6,915 (54.6%) |
| Renter Occupied HU | 4,685 (37.0%) |
| Vacant Housing Units | 1,059 ( 8.4%) |
| Median Home Value | $613,070 |
| Average Home Value | $654,818 |
Housing Distribution
Address Breakdown
Residential
11,334
Single Family
9,686
Multi-Family
1,648
Businesses
1,679
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices