3514 Oak LnCottonwoodCA96022
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3514 Oak Ln, Cottonwood, CA, 96022 in Cottonwood speaks for itself: 10.33% gross on a $349,000 price, generating $3,005/mo in rent and $798/mo in net income after the $1,569/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,574 stacks alongside $96,422 in projected five-year appreciation and $3,214/yr in principal reduction. Projected total cumulative return: $183,950.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $798 | $300 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,005 |
| Total Monthly Debt Service | $2,068 |
| DSCR Ratio | 1.45x |
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.
Manufactured
Built in 2004
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96022, Cottonwood, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,867 (100%) |
| Owner Occupied HU | 4,923 (71.7%) |
| Renter Occupied HU | 1,368 (19.9%) |
| Vacant Housing Units | 576 ( 8.4%) |
| Median Home Value | $434,730 |
| Average Home Value | $463,146 |
Housing Distribution
Address Breakdown
Residential
6,066
Single Family
6,066
Multi-Family
0
Businesses
273
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 2004
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96022, Cottonwood, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,867 (100%) |
| Owner Occupied HU | 4,923 (71.7%) |
| Renter Occupied HU | 1,368 (19.9%) |
| Vacant Housing Units | 576 ( 8.4%) |
| Median Home Value | $434,730 |
| Average Home Value | $463,146 |
Housing Distribution
Address Breakdown
Residential
6,066
Single Family
6,066
Multi-Family
0
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices