20595 Cinabar RdCottonwoodCA96022
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 20595 Cinabar Rd, Cottonwood, CA, 96022 in Cottonwood. At $307,000 it earns $2,221/mo in rent and distributes $322/mo to the owner after the $1,380/mo payment, a consistent 8.68% yield. DSCR 1.61 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $84,818 in value; $2,828/yr in principal paydown compounds ownership stake. Total projected return: $137,171.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $322 | $300 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,221 |
| Total Monthly Debt Service | $1,777 |
| DSCR Ratio | 1.25x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1989
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96022, Cottonwood, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,867 (100%) |
| Owner Occupied HU | 4,923 (71.7%) |
| Renter Occupied HU | 1,368 (19.9%) |
| Vacant Housing Units | 576 ( 8.4%) |
| Median Home Value | $434,730 |
| Average Home Value | $463,146 |
Housing Distribution
Address Breakdown
Residential
6,066
Single Family
6,066
Multi-Family
0
Businesses
273
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 1989
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96022, Cottonwood, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,867 (100%) |
| Owner Occupied HU | 4,923 (71.7%) |
| Renter Occupied HU | 1,368 (19.9%) |
| Vacant Housing Units | 576 ( 8.4%) |
| Median Home Value | $434,730 |
| Average Home Value | $463,146 |
Housing Distribution
Address Breakdown
Residential
6,066
Single Family
6,066
Multi-Family
0
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jaimie Chandler • Relevant Real Estate
Mls Name: SMLS
Mls ID: #26-168