227 Evergreen WayPetroliaCA95558
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 227 Evergreen Way, Petrolia, CA, 95558 in Petrolia is capital appreciation. Rental yield 5.78%. The 5.78% gross yield at $399,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $110,236 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.07) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $116,093.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.0% |
| Monthly Cash Flow | $(547) | $200 |
City averages based on Petrolia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,921 |
| Total Monthly Debt Service | $2,310 |
| DSCR Ratio | 0.83x |
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 1957
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95558, Petrolia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 278 (100%) |
| Owner Occupied HU | 141 (50.7%) |
| Renter Occupied HU | 76 (27.3%) |
| Vacant Housing Units | 61 (21.9%) |
| Median Home Value | $765,909 |
| Average Home Value | $823,901 |
Housing Distribution
Address Breakdown
Residential
41
Single Family
41
Multi-Family
0
Businesses
24
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 1957
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95558, Petrolia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 278 (100%) |
| Owner Occupied HU | 141 (50.7%) |
| Renter Occupied HU | 76 (27.3%) |
| Vacant Housing Units | 61 (21.9%) |
| Median Home Value | $765,909 |
| Average Home Value | $823,901 |
Housing Distribution
Address Breakdown
Residential
41
Single Family
41
Multi-Family
0
Businesses
24
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