236 N Sacramento StWillowsCA95988
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 236 N Sacramento St, Willows, CA, 95988 in Willows at $174,950 earns $1,237/mo in rent and nets $155/mo after the $787/mo payment, a 8.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $48,335 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $1,611/yr in principal paydown, total projected return reaches $76,313.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $155 | $1,500 |
City averages based on Willows market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,237 |
| Total Monthly Debt Service | $1,013 |
| DSCR Ratio | 1.22x |
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 1952
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95988, Willows, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,639 (100%) |
| Owner Occupied HU | 1,842 (50.6%) |
| Renter Occupied HU | 1,471 (40.4%) |
| Vacant Housing Units | 326 ( 9.0%) |
| Median Home Value | $406,037 |
| Average Home Value | $498,278 |
Housing Distribution
Address Breakdown
Residential
3,400
Single Family
2,957
Multi-Family
443
Businesses
398
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 1952
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95988, Willows, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,639 (100%) |
| Owner Occupied HU | 1,842 (50.6%) |
| Renter Occupied HU | 1,471 (40.4%) |
| Vacant Housing Units | 326 ( 9.0%) |
| Median Home Value | $406,037 |
| Average Home Value | $498,278 |
Housing Distribution
Address Breakdown
Residential
3,400
Single Family
2,957
Multi-Family
443
Businesses
398
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices