19160 American Flat RdFiddletownCA95629
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 19160 American Flat Rd, Fiddletown, CA, 95629 in Fiddletown worth modelling. At $434,000 with a 7.7% gross yield, the $2,784/mo rent leaves $99/mo after the $1,952/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.43 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $119,906 by year five; $3,997/yr in principal reduction adds further equity. Total projected return: $170,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $99 | $1,200 |
City averages based on Fiddletown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,784 |
| Total Monthly Debt Service | $2,512 |
| DSCR Ratio | 1.11x |
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 1964
13.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95629, Fiddletown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 626 (100%) |
| Owner Occupied HU | 429 (68.5%) |
| Renter Occupied HU | 77 (12.3%) |
| Vacant Housing Units | 120 (19.2%) |
| Median Home Value | $633,772 |
| Average Home Value | $690,851 |
Housing Distribution
Address Breakdown
Residential
327
Single Family
327
Multi-Family
0
Businesses
18
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 1964
13.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95629, Fiddletown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 626 (100%) |
| Owner Occupied HU | 429 (68.5%) |
| Renter Occupied HU | 77 (12.3%) |
| Vacant Housing Units | 120 (19.2%) |
| Median Home Value | $633,772 |
| Average Home Value | $690,851 |
Housing Distribution
Address Breakdown
Residential
327
Single Family
327
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Russell Robinson • eXp Realty of Northern CA, INC
Mls Name: MetroList Services of CA
Mls ID: #226012008