22970 N Bald Mountain RdColumbiaCA95310
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 22970 N Bald Mountain Rd, Columbia, CA, 95310 in Columbia earns a 9.05% gross yield at $199,000. Rent of $1,500/mo nets $269/mo after the $895/mo mortgage. The 1.68 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $54,980 and $1,833/yr in equity accumulation project a total cumulative return of $92,742.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $269 | $1,200 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $1,152 |
| DSCR Ratio | 1.30x |
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 1974
1.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95310, Columbia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 843 (100%) |
| Owner Occupied HU | 564 (66.9%) |
| Renter Occupied HU | 179 (21.2%) |
| Vacant Housing Units | 100 (11.9%) |
| Median Home Value | $566,216 |
| Average Home Value | $586,006 |
Housing Distribution
Address Breakdown
Residential
790
Single Family
790
Multi-Family
0
Businesses
97
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 1974
1.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95310, Columbia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 843 (100%) |
| Owner Occupied HU | 564 (66.9%) |
| Renter Occupied HU | 179 (21.2%) |
| Vacant Housing Units | 100 (11.9%) |
| Median Home Value | $566,216 |
| Average Home Value | $586,006 |
Housing Distribution
Address Breakdown
Residential
790
Single Family
790
Multi-Family
0
Businesses
97
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbie Bridges-shaw • Rw Classic Foothill Properties
Mls Name: CCARMLS
Mls ID: #202501333