304 Patterson AveLoyaltonCA96118
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 304 Patterson Ave, Loyalton, CA, 96118 in Loyalton deserves attention. This $299,000 property earns $2,832/mo in rent, a 11.37% gross yield, and nets $982/mo after the $1,344/mo payment. DSCR 2.11 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $82,608 compounds alongside $2,754/yr in yearly equity build, for a total cumulative return of $176,628.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.0% |
| Monthly Cash Flow | $982 | $1,200 |
City averages based on Loyalton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,832 |
| Total Monthly Debt Service | $1,731 |
| DSCR Ratio | 1.64x |
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 1981
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96118, Loyalton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 675 (100%) |
| Owner Occupied HU | 431 (63.9%) |
| Renter Occupied HU | 166 (24.6%) |
| Vacant Housing Units | 78 (11.6%) |
| Median Home Value | $312,162 |
| Average Home Value | $481,369 |
Housing Distribution
Address Breakdown
Residential
8
Single Family
8
Multi-Family
0
Businesses
61
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 1981
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96118, Loyalton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 675 (100%) |
| Owner Occupied HU | 431 (63.9%) |
| Renter Occupied HU | 166 (24.6%) |
| Vacant Housing Units | 78 (11.6%) |
| Median Home Value | $312,162 |
| Average Home Value | $481,369 |
Housing Distribution
Address Breakdown
Residential
8
Single Family
8
Multi-Family
0
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: TSMLS
Mls ID: #20242126