3120 Live Oak Blvd UNIT 162Yuba CityCA95991
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3120 Live Oak Blvd UNIT 162, Yuba City, CA, 95991 in Yuba City at $220,000 earns $1,527/mo in rent and nets $166/mo after the $989/mo payment, a 8.33% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,782 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $2,026/yr in principal paydown, total projected return reaches $94,118.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $166 | $1,500 |
City averages based on Yuba City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,527 |
| Total Monthly Debt Service | $1,273 |
| DSCR Ratio | 1.20x |
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.
Manufactured
Built in 1997
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95991, Yuba City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,431 (100%) |
| Owner Occupied HU | 7,387 (47.9%) |
| Renter Occupied HU | 7,327 (47.5%) |
| Vacant Housing Units | 717 ( 4.6%) |
| Median Home Value | $394,670 |
| Average Home Value | $425,523 |
Housing Distribution
Address Breakdown
Residential
15,033
Single Family
12,856
Multi-Family
2,177
Businesses
1,434
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
Manufactured
Built in 1997
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95991, Yuba City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,431 (100%) |
| Owner Occupied HU | 7,387 (47.9%) |
| Renter Occupied HU | 7,327 (47.5%) |
| Vacant Housing Units | 717 ( 4.6%) |
| Median Home Value | $394,670 |
| Average Home Value | $425,523 |
Housing Distribution
Address Breakdown
Residential
15,033
Single Family
12,856
Multi-Family
2,177
Businesses
1,434
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Chandler-Oliver • Inspired Real Estate Group
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224126475
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.