32899 Rock Creek RdMantonCA96059
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 32899 Rock Creek Rd, Manton, CA, 96059 in Manton is narrow, $164/mo net on $1,618/mo rent after the $1,057/mo debt service, but the property operates at break-even-plus, not a loss. At $235,000 with a 8.26% yield, the long-run equity case via 5% appreciation ($64,926 over five years) and $2,164/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $99,692.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $164 | $1,200 |
City averages based on Manton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,618 |
| Total Monthly Debt Service | $1,360 |
| DSCR Ratio | 1.19x |
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 1978
5.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96059, Manton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 327 (100%) |
| Owner Occupied HU | 206 (63.0%) |
| Renter Occupied HU | 56 (17.1%) |
| Vacant Housing Units | 65 (19.9%) |
| Median Home Value | $375,806 |
| Average Home Value | $407,197 |
Housing Distribution
Address Breakdown
Residential
234
Single Family
233
Multi-Family
1
Businesses
23
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 1978
5.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96059, Manton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 327 (100%) |
| Owner Occupied HU | 206 (63.0%) |
| Renter Occupied HU | 56 (17.1%) |
| Vacant Housing Units | 65 (19.9%) |
| Median Home Value | $375,806 |
| Average Home Value | $407,197 |
Housing Distribution
Address Breakdown
Residential
234
Single Family
233
Multi-Family
1
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Edward J Lenzer • eXp Realty of California, Inc.
Mls Name: SMLS
Mls ID: #26-166