1814 12th StOrovilleCA95965
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1814 12th St, Oroville, CA, 95965 in Oroville. Priced at $160,000, it generates $2,143/mo in gross rent and $1,152/mo in net monthly cash flow, a 16.07% yield that comfortably supports the 2.98 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $13,828. Five-year appreciation: $44,205. Equity from principal paydown: $1,474/yr. Total projected cumulative return: $134,884.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.1% | 7.0% |
| Monthly Cash Flow | $1,152 | $1,200 |
City averages based on Oroville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,143 |
| Total Monthly Debt Service | $927 |
| DSCR Ratio | 2.31x |
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.
Manufactured
Built in 1998
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95965, Oroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,264 (100%) |
| Owner Occupied HU | 4,132 (50.0%) |
| Renter Occupied HU | 3,338 (40.4%) |
| Vacant Housing Units | 794 ( 9.6%) |
| Median Home Value | $355,605 |
| Average Home Value | $437,386 |
Housing Distribution
Address Breakdown
Residential
7,839
Single Family
7,002
Multi-Family
837
Businesses
751
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
Manufactured
Built in 1998
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95965, Oroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,264 (100%) |
| Owner Occupied HU | 4,132 (50.0%) |
| Renter Occupied HU | 3,338 (40.4%) |
| Vacant Housing Units | 794 ( 9.6%) |
| Median Home Value | $355,605 |
| Average Home Value | $437,386 |
Housing Distribution
Address Breakdown
Residential
7,839
Single Family
7,002
Multi-Family
837
Businesses
751
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices