21 Eureka StSutter CreekCA95685
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 21 Eureka St, Sutter Creek, CA, 95685 in Sutter Creek. Rental yield 5.53%. At $493,800 with 5.53% gross yield, current distributions are modest, but the 5% appreciation rate projects $136,428 in new equity by year five, complemented by $4,548/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.02) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $137,131.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(780) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,275 |
| Total Monthly Debt Service | $2,858 |
| DSCR Ratio | 0.80x |
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 1900
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95685, Sutter Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,596 (100%) |
| Owner Occupied HU | 1,507 (58.1%) |
| Renter Occupied HU | 758 (29.2%) |
| Vacant Housing Units | 331 (12.8%) |
| Median Home Value | $553,534 |
| Average Home Value | $645,873 |
Housing Distribution
Address Breakdown
Residential
1,778
Single Family
1,548
Multi-Family
230
Businesses
269
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 1900
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95685, Sutter Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,596 (100%) |
| Owner Occupied HU | 1,507 (58.1%) |
| Renter Occupied HU | 758 (29.2%) |
| Vacant Housing Units | 331 (12.8%) |
| Median Home Value | $553,534 |
| Average Home Value | $645,873 |
Housing Distribution
Address Breakdown
Residential
1,778
Single Family
1,548
Multi-Family
230
Businesses
269
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A