32 Horse Creek RdHorse CreekCA96050
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 32 Horse Creek Rd, Horse Creek, CA, 96050 in Horse Creek fits: $425,000, 4.98% gross yield, and a projected 5% annual appreciation rate adding $117,420 in value within five years. Rental yield 4.98%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.92) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,914/yr in principal paydown and $117,420 in appreciation project a total return of $105,539.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.0% |
| Monthly Cash Flow | $(865) | $300 |
City averages based on Horse Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,764 |
| Total Monthly Debt Service | $2,460 |
| DSCR Ratio | 0.72x |
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 N/A
65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96050, Klamath River, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 309 (100%) |
| Owner Occupied HU | 178 (57.6%) |
| Renter Occupied HU | 42 (13.6%) |
| Vacant Housing Units | 89 (28.8%) |
| Median Home Value | $396,774 |
| Average Home Value | $479,396 |
Housing Distribution
Address Breakdown
Residential
189
Single Family
189
Multi-Family
0
Businesses
5
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 N/A
65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96050, Klamath River, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 309 (100%) |
| Owner Occupied HU | 178 (57.6%) |
| Renter Occupied HU | 42 (13.6%) |
| Vacant Housing Units | 89 (28.8%) |
| Median Home Value | $396,774 |
| Average Home Value | $479,396 |
Housing Distribution
Address Breakdown
Residential
189
Single Family
189
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carrol Nelson • The River Connection Realty
Mls Name: SMLS
Mls ID: #20251061