30640 County Road 86WintersCA95694
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play30640 County Road 86, Winters, CA, 95694 in Winters is priced for appreciation, not yield. Rental yield 4.7%. At $934,000 with a 4.7% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $258,047 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.87) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $217,589.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.0% |
| Monthly Cash Flow | $(2,121) | $250 |
City averages based on Winters market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,656 |
| Total Monthly Debt Service | $5,406 |
| DSCR Ratio | 0.68x |
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 1998
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95694, Winters, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,900 (100%) |
| Owner Occupied HU | 2,516 (64.5%) |
| Renter Occupied HU | 1,152 (29.5%) |
| Vacant Housing Units | 232 ( 5.9%) |
| Median Home Value | $637,705 |
| Average Home Value | $771,853 |
Housing Distribution
Address Breakdown
Residential
3,592
Single Family
3,280
Multi-Family
312
Businesses
300
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 1998
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95694, Winters, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,900 (100%) |
| Owner Occupied HU | 2,516 (64.5%) |
| Renter Occupied HU | 1,152 (29.5%) |
| Vacant Housing Units | 232 ( 5.9%) |
| Median Home Value | $637,705 |
| Average Home Value | $771,853 |
Housing Distribution
Address Breakdown
Residential
3,592
Single Family
3,280
Multi-Family
312
Businesses
300
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julia Whitmer • Windermere Signature Properties Davis
Mls Name: MetroList Services of CA
Mls ID: #225142655