2178 Ridge Rider RdBradleyCA93426
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.52% yield at 2178 Ridge Rider Rd, Bradley, CA, 93426 in Bradley is solid, but the $2,604/mo payment compresses net cash flow to $45/mo at $579,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $159,967 by year five, and $5,333/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.39) without U.S. income documentation. Total projected return: $222,396.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.5% |
| Monthly Cash Flow | $45 | $300 |
City averages based on Bradley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,626 |
| Total Monthly Debt Service | $3,351 |
| DSCR Ratio | 1.08x |
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 1977
9,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93426, Bradley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,426 (100%) |
| Owner Occupied HU | 372 (26.1%) |
| Renter Occupied HU | 221 (15.5%) |
| Vacant Housing Units | 833 (58.4%) |
| Median Home Value | $835,165 |
| Average Home Value | $1,060,336 |
Housing Distribution
Address Breakdown
Residential
945
Single Family
945
Multi-Family
0
Businesses
33
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 1977
9,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93426, Bradley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,426 (100%) |
| Owner Occupied HU | 372 (26.1%) |
| Renter Occupied HU | 221 (15.5%) |
| Vacant Housing Units | 833 (58.4%) |
| Median Home Value | $835,165 |
| Average Home Value | $1,060,336 |
Housing Distribution
Address Breakdown
Residential
945
Single Family
945
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph Schmit • Joe Schmit/Broker
Mls Name: CRMLS
Mls ID: #NS25253611