190 Main StScotiaCA95565
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 190 Main St, Scotia, CA, 95565 in Scotia is narrow, $102/mo net on $2,032/mo rent after the $1,403/mo debt service, but the property operates at break-even-plus, not a loss. At $312,000 with a 7.81% yield, the long-run equity case via 5% appreciation ($86,200 over five years) and $2,874/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $124,857.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $102 | $1,500 |
City averages based on Scotia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,032 |
| Total Monthly Debt Service | $1,806 |
| DSCR Ratio | 1.13x |
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
4,791 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
4,791 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: #267352
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.