3065 Oregon Trail RdGeorgetownCA95634
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 3065 Oregon Trail Rd, Georgetown, CA, 95634 in Georgetown deserves attention. This $437,000 property earns $3,659/mo in rent, a 10.05% gross yield, and nets $955/mo after the $1,965/mo payment. DSCR 1.86 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $120,735 compounds alongside $4,025/yr in yearly equity build, for a total cumulative return of $227,223.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $955 | $250 |
City averages based on Georgetown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,659 |
| Total Monthly Debt Service | $2,529 |
| DSCR Ratio | 1.45x |
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 2009
5.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95634, Georgetown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,525 (100%) |
| Owner Occupied HU | 960 (63.0%) |
| Renter Occupied HU | 240 (15.7%) |
| Vacant Housing Units | 325 (21.3%) |
| Median Home Value | $554,779 |
| Average Home Value | $586,549 |
Housing Distribution
Address Breakdown
Residential
1,070
Single Family
1,067
Multi-Family
3
Businesses
126
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 2009
5.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95634, Georgetown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,525 (100%) |
| Owner Occupied HU | 960 (63.0%) |
| Renter Occupied HU | 240 (15.7%) |
| Vacant Housing Units | 325 (21.3%) |
| Median Home Value | $554,779 |
| Average Home Value | $586,549 |
Housing Distribution
Address Breakdown
Residential
1,070
Single Family
1,067
Multi-Family
3
Businesses
126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Teddi Ramos • Sierra Foothill Properties Inc
Mls Name: MetroList Services of CA
Mls ID: #225020468