3281 Highway 140Catheys ValleyCA95306
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 3281 Highway 140, Catheys Valley, CA, 95306 in Catheys Valley is listed at $549,900 and delivers $3,823/mo in rent and $421/mo in net monthly cash flow. The 8.34% yield and 1.55 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $151,927 over five years, and $5,065/yr in principal reduction supplements cash return. Total projected cumulative return: $235,605.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $421 | $1,500 |
City averages based on Catheys Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,823 |
| Total Monthly Debt Service | $3,183 |
| 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.
Single Family
Built in 1988
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95306, Catheys Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 537 (100%) |
| Owner Occupied HU | 335 (62.4%) |
| Renter Occupied HU | 119 (22.2%) |
| Vacant Housing Units | 83 (15.5%) |
| Median Home Value | $546,591 |
| Average Home Value | $636,343 |
Housing Distribution
Address Breakdown
Residential
296
Single Family
296
Multi-Family
0
Businesses
18
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 1988
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95306, Catheys Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 537 (100%) |
| Owner Occupied HU | 335 (62.4%) |
| Renter Occupied HU | 119 (22.2%) |
| Vacant Housing Units | 83 (15.5%) |
| Median Home Value | $546,591 |
| Average Home Value | $636,343 |
Housing Distribution
Address Breakdown
Residential
296
Single Family
296
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices