23448 Deer Creek RdSmartsvilleCA95977
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 23448 Deer Creek Rd, Smartsville, CA, 95977 in Smartsville is a conservative rental investment at $414,900. Rental yield 6.72%. A 1.25 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $114,629; $3,821/yr in principal paydown supplements. Total projected return: $141,738.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.0% |
| Monthly Cash Flow | $(242) | $1,500 |
City averages based on Smartsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,324 |
| Total Monthly Debt Service | $2,402 |
| DSCR Ratio | 0.97x |
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 1988
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
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 1988
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jan Wilson • RE/MAX Gold
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225002626
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.