2474 Seidel RdArcataCA95521
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Arcata rental at 2474 Seidel Rd, Arcata, CA, 95521 sits in the solid-income band: 8.13% gross yield, $3,212/mo rent, $280/mo net after the $2,131/mo debt service, DSCR 1.51. Entry price of $474,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $130,957 and $4,366/yr in principal reduction bring total cumulative return to $197,757.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $280 | $1,500 |
City averages based on Arcata market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,212 |
| Total Monthly Debt Service | $2,744 |
| DSCR Ratio | 1.17x |
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 1948
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95521, Arcata, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,198 (100%) |
| Owner Occupied HU | 3,463 (34.0%) |
| Renter Occupied HU | 5,885 (57.7%) |
| Vacant Housing Units | 850 ( 8.3%) |
| Median Home Value | $521,271 |
| Average Home Value | $533,584 |
Housing Distribution
Address Breakdown
Residential
9,236
Single Family
7,941
Multi-Family
1,295
Businesses
871
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 1948
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95521, Arcata, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,198 (100%) |
| Owner Occupied HU | 3,463 (34.0%) |
| Renter Occupied HU | 5,885 (57.7%) |
| Vacant Housing Units | 850 ( 8.3%) |
| Median Home Value | $521,271 |
| Average Home Value | $533,584 |
Housing Distribution
Address Breakdown
Residential
9,236
Single Family
7,941
Multi-Family
1,295
Businesses
871
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Willcutt • The Land Man Office
Mls Name: HBMLS
Mls ID: #270767