200-202 MainDownievilleCA95936
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.95% gross rental yield, 200-202 Main, Downieville, CA, 95936 in Downieville is priced for capital growth, not immediate cash flow. The $837,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $231,248 by year five, with $7,709/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.55) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $116,713.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.0% |
| Monthly Cash Flow | $(3,117) | $1,200 |
City averages based on Downieville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,060 |
| Total Monthly Debt Service | $4,845 |
| DSCR Ratio | 0.43x |
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.
Multi Family
Built in N/A
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95936, Downieville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 175 (100%) |
| Owner Occupied HU | 70 (40.0%) |
| Renter Occupied HU | 35 (20.0%) |
| Vacant Housing Units | 70 (40.0%) |
| Median Home Value | $477,778 |
| Average Home Value | $618,036 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
48
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
Multi Family
Built in N/A
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95936, Downieville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 175 (100%) |
| Owner Occupied HU | 70 (40.0%) |
| Renter Occupied HU | 35 (20.0%) |
| Vacant Housing Units | 70 (40.0%) |
| Median Home Value | $477,778 |
| Average Home Value | $618,036 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A