24 Church StEmpireCA95319
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 24 Church St, Empire, CA, 95319 in Empire, $399,900, 7.53% gross yield, $34/mo net income. Consider it a market-entry position, the $2,508/mo rent covers the $1,798/mo payment with a margin, and 5%/yr appreciation is projected to add $110,485 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.39) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $153,877.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.0% |
| Monthly Cash Flow | $34 | $300 |
City averages based on Empire market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,508 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.08x |
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 1986
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95319, Empire, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 490 (100%) |
| Owner Occupied HU | 210 (42.9%) |
| Renter Occupied HU | 261 (53.3%) |
| Vacant Housing Units | 19 ( 3.9%) |
| Median Home Value | $197,222 |
| Average Home Value | $309,321 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
64
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 1986
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95319, Empire, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 490 (100%) |
| Owner Occupied HU | 210 (42.9%) |
| Renter Occupied HU | 261 (53.3%) |
| Vacant Housing Units | 19 ( 3.9%) |
| Median Home Value | $197,222 |
| Average Home Value | $309,321 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226052789