20326 Top Of The Hill TrlLakeheadCA96051
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 20326 Top Of The Hill Trl, Lakehead, CA, 96051 in Lakehead worth study. Rental yield 4.79%. The 4.79% gross yield is below cash-flow benchmarks at $750,000, but 5% annual appreciation, adding $207,211 over five years, frames this as a capital growth position. Rent of $2,993/mo partially offsets the $3,372/mo payment. Ziffy Mortgage finances appreciation-play properties (0.89 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $174,820.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 7.0% |
| Monthly Cash Flow | $(1,707) | $200 |
City averages based on Lakehead market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,993 |
| Total Monthly Debt Service | $4,402 |
| DSCR Ratio | 0.68x |
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 2008
27.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96051, Lakehead, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,050 (100%) |
| Owner Occupied HU | 517 (49.2%) |
| Renter Occupied HU | 137 (13.0%) |
| Vacant Housing Units | 396 (37.7%) |
| Median Home Value | $443,182 |
| Average Home Value | $506,451 |
Housing Distribution
Address Breakdown
Residential
597
Single Family
597
Multi-Family
0
Businesses
39
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 2008
27.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96051, Lakehead, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,050 (100%) |
| Owner Occupied HU | 517 (49.2%) |
| Renter Occupied HU | 137 (13.0%) |
| Vacant Housing Units | 396 (37.7%) |
| Median Home Value | $443,182 |
| Average Home Value | $506,451 |
Housing Distribution
Address Breakdown
Residential
597
Single Family
597
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mindy Puderbaugh • eXp Realty of California, Inc.
Mls Name: SMLS
Mls Provider:
Mls ID: #25-500
Disclaimer: Copyright Shasta Association of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.