3455 Hokan LnWheatlandCA95692
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3455 Hokan Ln, Wheatland, CA, 95692 in Wheatland worth study. Rental yield 5.2%. The 5.2% gross yield is below cash-flow benchmarks at $475,000, but 5% annual appreciation, adding $131,234 over five years, frames this as a capital growth position. Rent of $2,057/mo partially offsets the $2,136/mo payment. Ziffy Mortgage finances appreciation-play properties (0.96 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $123,410.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(882) | $300 |
City averages based on Wheatland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,057 |
| Total Monthly Debt Service | $2,749 |
| DSCR Ratio | 0.75x |
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.
Manufactured
Built in 1986
10.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95692, Wheatland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,960 (100%) |
| Owner Occupied HU | 1,288 (65.7%) |
| Renter Occupied HU | 600 (30.6%) |
| Vacant Housing Units | 72 ( 3.7%) |
| Median Home Value | $453,398 |
| Average Home Value | $522,207 |
Housing Distribution
Address Breakdown
Residential
1,712
Single Family
1,639
Multi-Family
73
Businesses
125
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
Manufactured
Built in 1986
10.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95692, Wheatland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,960 (100%) |
| Owner Occupied HU | 1,288 (65.7%) |
| Renter Occupied HU | 600 (30.6%) |
| Vacant Housing Units | 72 ( 3.7%) |
| Median Home Value | $453,398 |
| Average Home Value | $522,207 |
Housing Distribution
Address Breakdown
Residential
1,712
Single Family
1,639
Multi-Family
73
Businesses
125
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelly Zimmerman • eXp Realty of California, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225137865