202 Ponderosa CtEurekaCA95503
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 202 Ponderosa Ct, Eureka, CA, 95503 in Eureka worth study. Rental yield 4.72%. The 4.72% gross yield is below cash-flow benchmarks at $1,199,000, but 5% annual appreciation, adding $331,262 over five years, frames this as a capital growth position. Rent of $4,501/mo partially offsets the $5,391/mo payment. Ziffy Mortgage finances appreciation-play properties (0.83 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $256,224.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.0% |
| Monthly Cash Flow | $(2,882) | $300 |
City averages based on Eureka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,501 |
| Total Monthly Debt Service | $7,120 |
| DSCR Ratio | 0.63x |
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 1996
4.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95503, Eureka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,819 (100%) |
| Owner Occupied HU | 6,597 (61.0%) |
| Renter Occupied HU | 3,485 (32.2%) |
| Vacant Housing Units | 737 ( 6.8%) |
| Median Home Value | $491,634 |
| Average Home Value | $530,221 |
Housing Distribution
Address Breakdown
Residential
10,220
Single Family
10,133
Multi-Family
87
Businesses
335
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 1996
4.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95503, Eureka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,819 (100%) |
| Owner Occupied HU | 6,597 (61.0%) |
| Renter Occupied HU | 3,485 (32.2%) |
| Vacant Housing Units | 737 ( 6.8%) |
| Median Home Value | $491,634 |
| Average Home Value | $530,221 |
Housing Distribution
Address Breakdown
Residential
10,220
Single Family
10,133
Multi-Family
87
Businesses
335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sabrina Hancock • Coldwell Banker Cutten Realty
Mls Name: HBMLS
Mls Provider:
Mls ID: #266080
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.