19515 Smith LnCottonwoodCA96022
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 19515 Smith Ln, Cottonwood, CA, 96022 in Cottonwood fits: $898,000, 5.04% gross yield, and a projected 5% annual appreciation rate adding $248,101 in value within five years. Rental yield 5.04%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.93) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,271/yr in principal paydown and $248,101 in appreciation project a total return of $225,856.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.0% |
| Monthly Cash Flow | $(1,782) | $300 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,773 |
| Total Monthly Debt Service | $5,198 |
| DSCR Ratio | 0.73x |
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 1978
50.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96022, Cottonwood, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,867 (100%) |
| Owner Occupied HU | 4,923 (71.7%) |
| Renter Occupied HU | 1,368 (19.9%) |
| Vacant Housing Units | 576 ( 8.4%) |
| Median Home Value | $434,730 |
| Average Home Value | $463,146 |
Housing Distribution
Address Breakdown
Residential
6,066
Single Family
6,066
Multi-Family
0
Businesses
273
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 1978
50.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96022, Cottonwood, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,867 (100%) |
| Owner Occupied HU | 4,923 (71.7%) |
| Renter Occupied HU | 1,368 (19.9%) |
| Vacant Housing Units | 576 ( 8.4%) |
| Median Home Value | $434,730 |
| Average Home Value | $463,146 |
Housing Distribution
Address Breakdown
Residential
6,066
Single Family
6,066
Multi-Family
0
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Grace Anderson • Terence Davis & Associates
Mls Name: SMLS
Mls ID: #25-4658