20804 Oak StLakeheadCA96051
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20804 Oak St, Lakehead, CA, 96051 in Lakehead deserves attention. This $300,000 property earns $3,188/mo in rent, a 12.75% gross yield, and nets $1,333/mo after the $1,349/mo payment. DSCR 2.36 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $82,884 compounds alongside $2,763/yr in yearly equity build, for a total cumulative return of $199,504.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 7.0% |
| Monthly Cash Flow | $1,333 | $200 |
City averages based on Lakehead market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,188 |
| Total Monthly Debt Service | $1,736 |
| DSCR Ratio | 1.84x |
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 1983
0.46 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 1983
0.46 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: Tammy M Von Horn • eXp Realty of Northern California, Inc.
Mls Name: SMLS
Mls Provider:
Mls ID: #25-2776
Disclaimer: Copyright Shasta Association of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.