32441 Panther AveMontgomery CreekCA96065
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $219,900, 32441 Panther Ave, Montgomery Creek, CA, 96065 in Montgomery Creek generates $1,856/mo in rent (8.1% yield) but nets only $155/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.88) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $60,754. Total projected return: $115,265.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $155 | $350 |
City averages based on Montgomery Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,856 |
| Total Monthly Debt Service | $1,273 |
| DSCR Ratio | 1.46x |
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 N/A
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96065, Montgomery Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 494 (100%) |
| Owner Occupied HU | 283 (57.3%) |
| Renter Occupied HU | 66 (13.4%) |
| Vacant Housing Units | 145 (29.4%) |
| Median Home Value | $401,220 |
| Average Home Value | $446,705 |
Housing Distribution
Address Breakdown
Residential
37
Single Family
37
Multi-Family
0
Businesses
13
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
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96065, Montgomery Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 494 (100%) |
| Owner Occupied HU | 283 (57.3%) |
| Renter Occupied HU | 66 (13.4%) |
| Vacant Housing Units | 145 (29.4%) |
| Median Home Value | $401,220 |
| Average Home Value | $446,705 |
Housing Distribution
Address Breakdown
Residential
37
Single Family
37
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dennis E Morgan • Banner Real Estate
Mls Name: SMLS
Mls Provider:
Mls ID: #24-3296
Disclaimer: Copyright Shasta Association of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.