22133 Trotter RdGrass ValleyCA95949
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 22133 Trotter Rd, Grass Valley, CA, 95949 in Grass Valley is narrow, $159/mo net on $4,182/mo rent after the $2,293/mo debt service, but the property operates at break-even-plus, not a loss. At $510,000 with a 7.82% yield, the long-run equity case via 5% appreciation ($140,904 over five years) and $4,697/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.82 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $258,983.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $159 | $300 |
City averages based on Grass Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,182 |
| Total Monthly Debt Service | $2,961 |
| DSCR Ratio | 1.41x |
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 1982
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95949, Grass Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,407 (100%) |
| Owner Occupied HU | 7,403 (78.7%) |
| Renter Occupied HU | 1,257 (13.4%) |
| Vacant Housing Units | 747 ( 7.9%) |
| Median Home Value | $625,587 |
| Average Home Value | $673,409 |
Housing Distribution
Address Breakdown
Residential
8,792
Single Family
8,732
Multi-Family
60
Businesses
219
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 1982
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95949, Grass Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,407 (100%) |
| Owner Occupied HU | 7,403 (78.7%) |
| Renter Occupied HU | 1,257 (13.4%) |
| Vacant Housing Units | 747 ( 7.9%) |
| Median Home Value | $625,587 |
| Average Home Value | $673,409 |
Housing Distribution
Address Breakdown
Residential
8,792
Single Family
8,732
Multi-Family
60
Businesses
219
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Calvin Kulas • The Kulas Realty Group
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225064821
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