3475 Charlene AveOrovilleCA95966
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3475 Charlene Ave, Oroville, CA, 95966 in Oroville at $335,000 earns $2,271/mo in rent and nets $199/mo after the $1,506/mo payment, a 8.13% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $92,554 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $3,085/yr in principal paydown, total projected return reaches $139,861.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $199 | $1,200 |
City averages based on Oroville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,271 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 1.17x |
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 1963
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95966, Oroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,172 (100%) |
| Owner Occupied HU | 8,128 (61.7%) |
| Renter Occupied HU | 3,721 (28.2%) |
| Vacant Housing Units | 1,323 (10.0%) |
| Median Home Value | $372,103 |
| Average Home Value | $421,420 |
Housing Distribution
Address Breakdown
Residential
12,450
Single Family
12,036
Multi-Family
414
Businesses
546
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 1963
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95966, Oroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,172 (100%) |
| Owner Occupied HU | 8,128 (61.7%) |
| Renter Occupied HU | 3,721 (28.2%) |
| Vacant Housing Units | 1,323 (10.0%) |
| Median Home Value | $372,103 |
| Average Home Value | $421,420 |
Housing Distribution
Address Breakdown
Residential
12,450
Single Family
12,036
Multi-Family
414
Businesses
546
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shelley Riggs • Table Mountain Realty, Inc.
Mls Name: CRMLS
Mls ID: #OR25143528