20 Lake StSierra CityCA96125
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 20 Lake St, Sierra City, CA, 96125 in Sierra City aligned with their strategy. Rental yield 6.3%. DSCR 1.17 and 6.3% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $4,605/yr in paydown build toward a projected cumulative return of $159,579.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.2% |
| Monthly Cash Flow | $(467) | $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 | $2,626 |
| Total Monthly Debt Service | $2,894 |
| DSCR Ratio | 0.91x |
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 N/A
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96125, Sierra City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 344 (100%) |
| Owner Occupied HU | 98 (28.5%) |
| Renter Occupied HU | 41 (11.9%) |
| Vacant Housing Units | 205 (59.6%) |
| Median Home Value | $428,571 |
| Average Home Value | $658,418 |
Housing Distribution
Address Breakdown
Residential
18
Single Family
18
Multi-Family
0
Businesses
24
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 N/A
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96125, Sierra City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 344 (100%) |
| Owner Occupied HU | 98 (28.5%) |
| Renter Occupied HU | 41 (11.9%) |
| Vacant Housing Units | 205 (59.6%) |
| Median Home Value | $428,571 |
| Average Home Value | $658,418 |
Housing Distribution
Address Breakdown
Residential
18
Single Family
18
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rebecca Mooers • RE/MAX Gold
Mls Name: MetroList Services of CA
Mls ID: #226010732