26 Oliveira LoopFreedomCA95019
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $775,000, 26 Oliveira Loop, Freedom, CA, 95019 in Freedom generates $4,969/mo in rent (7.69% yield) but nets only $175/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.43) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $214,118. Total projected return: $305,082.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.0% |
| Monthly Cash Flow | $175 | $400 |
City averages based on Freedom market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,969 |
| Total Monthly Debt Service | $4,486 |
| DSCR Ratio | 1.11x |
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.
Townhouse
Built in 2007
1,176 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95019, Freedom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,969 (100%) |
| Owner Occupied HU | 905 (46.0%) |
| Renter Occupied HU | 1,031 (52.4%) |
| Vacant Housing Units | 33 ( 1.7%) |
| Median Home Value | $585,792 |
| Average Home Value | $606,329 |
Housing Distribution
Address Breakdown
Residential
1,875
Single Family
1,602
Multi-Family
273
Businesses
373
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
Townhouse
Built in 2007
1,176 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95019, Freedom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,969 (100%) |
| Owner Occupied HU | 905 (46.0%) |
| Renter Occupied HU | 1,031 (52.4%) |
| Vacant Housing Units | 33 ( 1.7%) |
| Median Home Value | $585,792 |
| Average Home Value | $606,329 |
Housing Distribution
Address Breakdown
Residential
1,875
Single Family
1,602
Multi-Family
273
Businesses
373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: BahiaWilliamsGroup Williams • Aldina Real Estate,Inc.
Mls Name: MLSListings Inc
Mls ID: #ML82022113