2687 Lodoga Stonyford RdStonyfordCA95979
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 2687 Lodoga Stonyford Rd, Stonyford, CA, 95979 in Stonyford: $2,825/mo in rent, $346/mo in net income, 8.47% gross yield, 1.57 DSCR, all at $400,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $110,513 in appreciation and $3,684/yr in principal paydown projects total cumulative return of $173,998.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.2% |
| Monthly Cash Flow | $346 | $1,500 |
City averages based on Stonyford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,825 |
| Total Monthly Debt Service | $2,319 |
| DSCR Ratio | 1.22x |
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 1997
2.75 Acres lot
$N/A/sqft
$50 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95979, Stonyford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 440 (100%) |
| Owner Occupied HU | 202 (45.9%) |
| Renter Occupied HU | 51 (11.6%) |
| Vacant Housing Units | 187 (42.5%) |
| Median Home Value | $402,083 |
| Average Home Value | $615,099 |
Housing Distribution
Address Breakdown
Residential
199
Single Family
199
Multi-Family
0
Businesses
27
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 1997
2.75 Acres lot
$N/A/sqft
$50 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95979, Stonyford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 440 (100%) |
| Owner Occupied HU | 202 (45.9%) |
| Renter Occupied HU | 51 (11.6%) |
| Vacant Housing Units | 187 (42.5%) |
| Median Home Value | $402,083 |
| Average Home Value | $615,099 |
Housing Distribution
Address Breakdown
Residential
199
Single Family
199
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Irene Diaz • EXIT Realty Consultants
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225055907
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