2090 Nelander RdStevinsonCA95374
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2090 Nelander Rd, Stevinson, CA, 95374 in Stevinson is capital appreciation. Rental yield 4.71%. The 4.71% gross yield at $600,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $165,769 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.87) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $140,060.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.5% |
| Monthly Cash Flow | $(1,358) | $200 |
City averages based on Stevinson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,353 |
| Total Monthly Debt Service | $3,473 |
| 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 2006
4.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95374, Stevinson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 605 (100%) |
| Owner Occupied HU | 301 (49.8%) |
| Renter Occupied HU | 258 (42.6%) |
| Vacant Housing Units | 46 ( 7.6%) |
| Median Home Value | $550,926 |
| Average Home Value | $619,385 |
Housing Distribution
Address Breakdown
Residential
503
Single Family
503
Multi-Family
0
Businesses
30
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 2006
4.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95374, Stevinson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 605 (100%) |
| Owner Occupied HU | 301 (49.8%) |
| Renter Occupied HU | 258 (42.6%) |
| Vacant Housing Units | 46 ( 7.6%) |
| Median Home Value | $550,926 |
| Average Home Value | $619,385 |
Housing Distribution
Address Breakdown
Residential
503
Single Family
503
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Rodriguez • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls ID: #225128872