28270 Albion Ridge RdAlbionCA95410
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 28270 Albion Ridge Rd, Albion, CA, 95410 in Albion is capital appreciation. Rental yield 5.69%. The 5.69% gross yield at $738,500 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $204,034 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.05) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $211,496.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 7.0% |
| Monthly Cash Flow | $(1,066) | $1,200 |
City averages based on Albion market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,503 |
| Total Monthly Debt Service | $4,275 |
| DSCR Ratio | 0.82x |
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 1972
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95410, Albion, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 561 (100%) |
| Owner Occupied HU | 279 (49.7%) |
| Renter Occupied HU | 145 (25.8%) |
| Vacant Housing Units | 137 (24.4%) |
| Median Home Value | $739,486 |
| Average Home Value | $819,892 |
Housing Distribution
Address Breakdown
Residential
142
Single Family
142
Multi-Family
0
Businesses
39
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 1972
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95410, Albion, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 561 (100%) |
| Owner Occupied HU | 279 (49.7%) |
| Renter Occupied HU | 145 (25.8%) |
| Vacant Housing Units | 137 (24.4%) |
| Median Home Value | $739,486 |
| Average Home Value | $819,892 |
Housing Distribution
Address Breakdown
Residential
142
Single Family
142
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Greg Menken • Shoreline Properties
Mls Name: CRMLS
Mls ID: #C1-11149