21041 4th StCottonwoodCA96022
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 21041 4th St, Cottonwood, CA, 96022 in Cottonwood. Priced at $265,000, it generates $2,266/mo in gross rent and $626/mo in net monthly cash flow, a 10.26% yield that comfortably supports the 1.90 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,515. Five-year appreciation: $73,215. Equity from principal paydown: $2,441/yr. Total projected cumulative return: $140,779.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $626 | $300 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,266 |
| Total Monthly Debt Service | $1,534 |
| DSCR Ratio | 1.48x |
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 1956
0.26 Acres 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 1956
0.26 Acres 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: Sandra M McKenna • Banner Real Estate
Mls Name: SMLS
Mls ID: #25-1147