3105 Lakeshore BlvdUpper LakeCA95485
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3105 Lakeshore Blvd, Upper Lake, CA, 95485 in Upper Lake worth study. Rental yield 1.23%. The 1.23% gross yield is below cash-flow benchmarks at $1,200,000, but 5% annual appreciation, adding $331,538 over five years, frames this as a capital growth position. Rent of $1,230/mo partially offsets the $5,396/mo payment. Ziffy Mortgage finances appreciation-play properties (0.23 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $56,441.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.2% | 6.0% |
| Monthly Cash Flow | $(6,193) | $500 |
City averages based on Upper Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,230 |
| Total Monthly Debt Service | $6,946 |
| DSCR Ratio | 0.18x |
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 2005
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
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 2005
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices