3266 Baker WayLive OakCA95953
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3266 Baker Way, Live Oak, CA, 95953 in Live Oak earns its strong cash-flow label: 10.54% yield, $3,996/mo rent, $1,165/mo net income, DSCR 1.95. The $455,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $125,708 by year five. Combined with $4,191/yr in principal paydown, total projected return reaches $247,558.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.0% |
| Monthly Cash Flow | $1,165 | $1,200 |
City averages based on Live Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,996 |
| Total Monthly Debt Service | $2,650 |
| DSCR Ratio | 1.51x |
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 2005
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95953, Live Oak, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,437 (62.7%) |
| Renter Occupied HU | 1,282 (33.0%) |
| Vacant Housing Units | 166 ( 4.3%) |
| Median Home Value | $401,534 |
| Average Home Value | $450,676 |
Housing Distribution
Address Breakdown
Residential
3,781
Single Family
3,375
Multi-Family
406
Businesses
166
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
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95953, Live Oak, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,437 (62.7%) |
| Renter Occupied HU | 1,282 (33.0%) |
| Vacant Housing Units | 166 ( 4.3%) |
| Median Home Value | $401,534 |
| Average Home Value | $450,676 |
Housing Distribution
Address Breakdown
Residential
3,781
Single Family
3,375
Multi-Family
406
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cindy Wingfield • Aztec Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225074798