32 Clark StaSierra CityCA96125
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 32 Clark Sta, Sierra City, CA, 96125 in Sierra City. At $170,000 it earns $1,337/mo in rent and distributes $269/mo to the owner after the $764/mo payment, a consistent 9.44% yield. DSCR 1.75 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $46,968 in value; $1,566/yr in principal paydown compounds ownership stake. Total projected return: $81,852.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $269 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,337 |
| Total Monthly Debt Service | $1,001 |
| DSCR Ratio | 1.34x |
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 1959
448.67 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96125, Sierra City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 344 (100%) |
| Owner Occupied HU | 98 (28.5%) |
| Renter Occupied HU | 41 (11.9%) |
| Vacant Housing Units | 205 (59.6%) |
| Median Home Value | $428,571 |
| Average Home Value | $658,418 |
Housing Distribution
Address Breakdown
Residential
18
Single Family
18
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
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 1959
448.67 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96125, Sierra City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 344 (100%) |
| Owner Occupied HU | 98 (28.5%) |
| Renter Occupied HU | 41 (11.9%) |
| Vacant Housing Units | 205 (59.6%) |
| Median Home Value | $428,571 |
| Average Home Value | $658,418 |
Housing Distribution
Address Breakdown
Residential
18
Single Family
18
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Listed by: Rebecca Mooers • RE/MAX Gold
Mls Name: MetroList Services of CA
Mls ID: #225119714