19717 Sutter Creek RdSutter CreekCA95685
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.73% gross rental yield, 19717 Sutter Creek Rd, Sutter Creek, CA, 95685 in Sutter Creek is priced for capital growth, not immediate cash flow. The $410,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $113,275 by year five, with $3,776/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.06) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $118,181.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.2% |
| Monthly Cash Flow | $(579) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,957 |
| Total Monthly Debt Service | $2,373 |
| DSCR Ratio | 0.82x |
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 1960
12.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95685, Sutter Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,596 (100%) |
| Owner Occupied HU | 1,507 (58.1%) |
| Renter Occupied HU | 758 (29.2%) |
| Vacant Housing Units | 331 (12.8%) |
| Median Home Value | $553,534 |
| Average Home Value | $645,873 |
Housing Distribution
Address Breakdown
Residential
1,778
Single Family
1,548
Multi-Family
230
Businesses
269
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 1960
12.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95685, Sutter Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,596 (100%) |
| Owner Occupied HU | 1,507 (58.1%) |
| Renter Occupied HU | 758 (29.2%) |
| Vacant Housing Units | 331 (12.8%) |
| Median Home Value | $553,534 |
| Average Home Value | $645,873 |
Housing Distribution
Address Breakdown
Residential
1,778
Single Family
1,548
Multi-Family
230
Businesses
269
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karla Gaetano • Davenport Properties
Mls Name: MetroList Services of CA
Mls ID: #225087437