260 Longiflorum LnSmith RiverCA95567
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.84% yield at 260 Longiflorum Ln, Smith River, CA, 95567 in Smith River is solid, but the $2,181/mo payment compresses net cash flow to $170/mo at $485,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $133,997 by year five, and $4,467/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.45) without U.S. income documentation. Total projected return: $194,841.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $170 | $1,500 |
City averages based on Smith River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,170 |
| Total Monthly Debt Service | $2,807 |
| DSCR Ratio | 1.13x |
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 2024
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95567, Smith River, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 982 (100%) |
| Owner Occupied HU | 602 (61.3%) |
| Renter Occupied HU | 224 (22.8%) |
| Vacant Housing Units | 156 (15.9%) |
| Median Home Value | $472,527 |
| Average Home Value | $490,532 |
Housing Distribution
Address Breakdown
Residential
741
Single Family
741
Multi-Family
0
Businesses
82
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 2024
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95567, Smith River, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 982 (100%) |
| Owner Occupied HU | 602 (61.3%) |
| Renter Occupied HU | 224 (22.8%) |
| Vacant Housing Units | 156 (15.9%) |
| Median Home Value | $472,527 |
| Average Home Value | $490,532 |
Housing Distribution
Address Breakdown
Residential
741
Single Family
741
Multi-Family
0
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices