26262 County Road 21a SPACE 36EspartoCA95627
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 26262 County Road 21a SPACE 36, Esparto, CA, 95627 in Esparto, $120,000, 9.08% gross yield, $166/mo net income. Consider it a market-entry position, the $908/mo rent covers the $540/mo payment with a margin, and 5%/yr appreciation is projected to add $33,154 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.68) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $56,145.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $166 | $1,500 |
City averages based on Esparto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $908 |
| Total Monthly Debt Service | $695 |
| DSCR Ratio | 1.31x |
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.
Manufactured
Built in 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95627, Esparto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,294 (100%) |
| Owner Occupied HU | 848 (65.5%) |
| Renter Occupied HU | 379 (29.3%) |
| Vacant Housing Units | 67 ( 5.2%) |
| Median Home Value | $492,000 |
| Average Home Value | $836,223 |
Housing Distribution
Address Breakdown
Residential
1,047
Single Family
992
Multi-Family
55
Businesses
84
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
Manufactured
Built in 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95627, Esparto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,294 (100%) |
| Owner Occupied HU | 848 (65.5%) |
| Renter Occupied HU | 379 (29.3%) |
| Vacant Housing Units | 67 ( 5.2%) |
| Median Home Value | $492,000 |
| Average Home Value | $836,223 |
Housing Distribution
Address Breakdown
Residential
1,047
Single Family
992
Multi-Family
55
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandy Godoy • Coldwell Banker Select
Mls Name: MetroList Services of CA
Mls ID: #225130027