186 Shale LnKneelandCA95549
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play186 Shale Ln, Kneeland, CA, 95549 in Kneeland is priced for appreciation, not yield. Rental yield 3.67%. At $1,100,000 with a 3.67% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $303,910 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.68) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $195,527.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.0% |
| Monthly Cash Flow | $(3,444) | $1,200 |
City averages based on Kneeland market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,361 |
| Total Monthly Debt Service | $6,367 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1977
4.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95549, Kneeland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 417 (100%) |
| Owner Occupied HU | 284 (68.1%) |
| Renter Occupied HU | 92 (22.1%) |
| Vacant Housing Units | 41 ( 9.8%) |
| Median Home Value | $652,318 |
| Average Home Value | $688,345 |
Housing Distribution
Address Breakdown
Residential
354
Single Family
353
Multi-Family
1
Businesses
1
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 1977
4.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95549, Kneeland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 417 (100%) |
| Owner Occupied HU | 284 (68.1%) |
| Renter Occupied HU | 92 (22.1%) |
| Vacant Housing Units | 41 ( 9.8%) |
| Median Home Value | $652,318 |
| Average Home Value | $688,345 |
Housing Distribution
Address Breakdown
Residential
354
Single Family
353
Multi-Family
1
Businesses
1
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tom Hunt • Corcoran Icon Properties Eureka
Mls Name: HBMLS
Mls Provider:
Mls ID: #272344
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.