3500 China Grade RdHappy CampCA96039
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 3500 China Grade Rd, Happy Camp, CA, 96039 in Happy Camp worth modelling. At $203,677 with a 7.9% gross yield, the $2,140/mo rent leaves $129/mo after the $916/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 2.34 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $56,272 by year five; $1,876/yr in principal reduction adds further equity. Total projected return: $133,854.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $129 | $1,200 |
City averages based on Happy Camp market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,140 |
| Total Monthly Debt Service | $1,179 |
| DSCR Ratio | 1.82x |
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 2010
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96039, Happy Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 283 (48.0%) |
| Renter Occupied HU | 170 (28.8%) |
| Vacant Housing Units | 137 (23.2%) |
| Median Home Value | $301,163 |
| Average Home Value | $366,846 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
57
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 2010
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96039, Happy Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 283 (48.0%) |
| Renter Occupied HU | 170 (28.8%) |
| Vacant Housing Units | 137 (23.2%) |
| Median Home Value | $301,163 |
| Average Home Value | $366,846 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A