26605 State Highway 16EspartoCA95627
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 26605 State Highway 16, Esparto, CA, 95627 in Esparto. Rental yield 6.37%. The 1.18 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $161,625 and $5,388/yr in principal reduction project total return of $188,679.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.0% |
| Monthly Cash Flow | $(515) | $1,500 |
City averages based on Esparto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,104 |
| Total Monthly Debt Service | $3,386 |
| DSCR Ratio | 0.92x |
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.
Single Family
Built in N/A
9.45 Acres 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
Single Family
Built in N/A
9.45 Acres 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: Elyse Gutierrez • Cache Creek Realty, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225024781