2526 Ricks Ave #1AA82D450SamoaCA95564
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 2526 Ricks Ave #1AA82D450, Samoa, CA, 95564 in Samoa the bet is firmly on appreciation. Rental yield 2.59%. The 2.59% gross yield on a $899,000 price is below income-first thresholds, but 5%/yr value growth projects $248,377 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.48) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $107,984.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 5.0% |
| Monthly Cash Flow | $(3,620) | $1,500 |
City averages based on Samoa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,942 |
| Total Monthly Debt Service | $5,204 |
| DSCR Ratio | 0.37x |
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.
Multi Family
Built in 1910
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95564, Samoa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 173 (100%) |
| Owner Occupied HU | 61 (35.3%) |
| Renter Occupied HU | 98 (56.6%) |
| Vacant Housing Units | 14 ( 8.1%) |
| Median Home Value | $552,419 |
| Average Home Value | $596,148 |
Housing Distribution
Address Breakdown
Residential
76
Single Family
76
Multi-Family
0
Businesses
28
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
Multi Family
Built in 1910
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95564, Samoa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 173 (100%) |
| Owner Occupied HU | 61 (35.3%) |
| Renter Occupied HU | 98 (56.6%) |
| Vacant Housing Units | 14 ( 8.1%) |
| Median Home Value | $552,419 |
| Average Home Value | $596,148 |
Housing Distribution
Address Breakdown
Residential
76
Single Family
76
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jackson McKinney • Community Realty /jw2
Mls Name: HBMLS
Mls Provider:
Mls ID: #268515
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.