182 Main StScotiaCA95565
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 182 Main St, Scotia, CA, 95565 in Scotia worth modelling. At $310,000 with a 8.07% gross yield, the $2,086/mo rent leaves $168/mo after the $1,394/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.50 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $85,647 by year five; $2,855/yr in principal reduction adds further equity. Total projected return: $128,400.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $168 | $1,500 |
City averages based on Scotia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,086 |
| Total Monthly Debt Service | $1,794 |
| DSCR Ratio | 1.16x |
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 1919
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95565, Scotia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 378 (100%) |
| Owner Occupied HU | 146 (38.6%) |
| Renter Occupied HU | 144 (38.1%) |
| Vacant Housing Units | 88 (23.3%) |
| Median Home Value | $405,263 |
| Average Home Value | $453,459 |
Housing Distribution
Address Breakdown
Residential
66
Single Family
66
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
Single Family
Built in 1919
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95565, Scotia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 378 (100%) |
| Owner Occupied HU | 146 (38.6%) |
| Renter Occupied HU | 144 (38.1%) |
| Vacant Housing Units | 88 (23.3%) |
| Median Home Value | $405,263 |
| Average Home Value | $453,459 |
Housing Distribution
Address Breakdown
Residential
66
Single Family
66
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cathy Endert • Coldwell Banker Cutten Realty
Mls Name: HBMLS
Mls Provider:
Mls ID: #270364
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.