2245 Mia LoopYuba CityCA95993
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2245 Mia Loop, Yuba City, CA, 95993 in Yuba City is narrow, $38/mo net on $5,165/mo rent after the $3,529/mo debt service, but the property operates at break-even-plus, not a loss. At $784,900 with a 7.9% yield, the long-run equity case via 5% appreciation ($216,853 over five years) and $7,229/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $301,337.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $38 | $1,500 |
City averages based on Yuba City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,165 |
| Total Monthly Debt Service | $4,814 |
| DSCR Ratio | 1.07x |
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 2018
10,290 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95993, Yuba City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,631 (100%) |
| Owner Occupied HU | 8,697 (68.9%) |
| Renter Occupied HU | 3,568 (28.2%) |
| Vacant Housing Units | 366 ( 2.9%) |
| Median Home Value | $455,045 |
| Average Home Value | $491,374 |
Housing Distribution
Address Breakdown
Residential
12,449
Single Family
11,740
Multi-Family
709
Businesses
676
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 2018
10,290 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95993, Yuba City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,631 (100%) |
| Owner Occupied HU | 8,697 (68.9%) |
| Renter Occupied HU | 3,568 (28.2%) |
| Vacant Housing Units | 366 ( 2.9%) |
| Median Home Value | $455,045 |
| Average Home Value | $491,374 |
Housing Distribution
Address Breakdown
Residential
12,449
Single Family
11,740
Multi-Family
709
Businesses
676
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices