19158 Montgomery Valley DrMontgomery CreekCA96065
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 19158 Montgomery Valley Dr, Montgomery Creek, CA, 96065 in Montgomery Creek at $297,000. Rental yield 7.23%. The 7.23% yield and 1.34 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $82,056 by year five, and $2,735/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $109,563.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 7.0% |
| Monthly Cash Flow | $(48) | $350 |
City averages based on Montgomery Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,789 |
| Total Monthly Debt Service | $1,719 |
| DSCR Ratio | 1.04x |
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 1979
18.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96065, Montgomery Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 494 (100%) |
| Owner Occupied HU | 283 (57.3%) |
| Renter Occupied HU | 66 (13.4%) |
| Vacant Housing Units | 145 (29.4%) |
| Median Home Value | $401,220 |
| Average Home Value | $446,705 |
Housing Distribution
Address Breakdown
Residential
37
Single Family
37
Multi-Family
0
Businesses
13
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 1979
18.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96065, Montgomery Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 494 (100%) |
| Owner Occupied HU | 283 (57.3%) |
| Renter Occupied HU | 66 (13.4%) |
| Vacant Housing Units | 145 (29.4%) |
| Median Home Value | $401,220 |
| Average Home Value | $446,705 |
Housing Distribution
Address Breakdown
Residential
37
Single Family
37
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maggie McGrath • Northstate Real Estate Professionals
Mls Name: SMLS
Mls ID: #25-4780