2961 State Highway 89ClioCA96106
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Clio at 2961 State Highway 89, Clio, CA, 96106 projects strong ROI of -1.94%. Rental yield 0.48%. With 5% annual appreciation, the property builds $3,315,379 in value over five years. Equity growth combined delivers a projected five-year ROI of 2.35%, translating into $79,775 in total cumulative return on $3,390,000 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.5% | 5.0% |
| Monthly Cash Flow | $(69,465) | $900 |
City averages based on Clio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,769 |
| Total Monthly Debt Service | $69,460 |
| DSCR Ratio | 0.07x |
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 2002
765 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96106, Clio, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 362 (100%) |
| Owner Occupied HU | 151 (41.7%) |
| Renter Occupied HU | 28 ( 7.7%) |
| Vacant Housing Units | 183 (50.6%) |
| Median Home Value | $538,580 |
| Average Home Value | $542,053 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
31
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 2002
765 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96106, Clio, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 362 (100%) |
| Owner Occupied HU | 151 (41.7%) |
| Renter Occupied HU | 28 ( 7.7%) |
| Vacant Housing Units | 183 (50.6%) |
| Median Home Value | $538,580 |
| Average Home Value | $542,053 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices