190 Wilder RdCarlottaCA95528
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play190 Wilder Rd, Carlotta, CA, 95528 in Carlotta is priced for appreciation, not yield. Rental yield 3.44%. At $1,449,000 with a 3.44% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $400,332 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.64) 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: $240,230.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.0% |
| Monthly Cash Flow | $(4,805) | $1,200 |
City averages based on Carlotta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,159 |
| Total Monthly Debt Service | $8,387 |
| DSCR Ratio | 0.50x |
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 2023
2.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95528, Carlotta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 486 (100%) |
| Owner Occupied HU | 290 (59.7%) |
| Renter Occupied HU | 92 (18.9%) |
| Vacant Housing Units | 104 (21.4%) |
| Median Home Value | $632,597 |
| Average Home Value | $655,319 |
Housing Distribution
Address Breakdown
Residential
366
Single Family
366
Multi-Family
0
Businesses
12
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 2023
2.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95528, Carlotta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 486 (100%) |
| Owner Occupied HU | 290 (59.7%) |
| Renter Occupied HU | 92 (18.9%) |
| Vacant Housing Units | 104 (21.4%) |
| Median Home Value | $632,597 |
| Average Home Value | $655,319 |
Housing Distribution
Address Breakdown
Residential
366
Single Family
366
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michele Viltrakis • Rocking V Realty
Mls Name: HBMLS
Mls ID: #270840