3545 Bianca WayChicoCA95973
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3545 Bianca Way, Chico, CA, 95973 in Chico speaks for itself: 28.92% gross on a $144,900 price, generating $3,492/mo in rent and $2,596/mo in net income after the $652/mo debt service. DSCR 5.36, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $31,148 stacks alongside $40,033 in projected five-year appreciation and $1,335/yr in principal reduction. Projected total cumulative return: $221,953.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 28.9% | 6.0% |
| Monthly Cash Flow | $2,596 | $200 |
City averages based on Chico market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,492 |
| Total Monthly Debt Service | $839 |
| DSCR Ratio | 4.16x |
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 2022
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95973, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,775 (100%) |
| Owner Occupied HU | 9,269 (55.3%) |
| Renter Occupied HU | 6,726 (40.1%) |
| Vacant Housing Units | 780 ( 4.6%) |
| Median Home Value | $496,934 |
| Average Home Value | $539,362 |
Housing Distribution
Address Breakdown
Residential
16,726
Single Family
14,083
Multi-Family
2,643
Businesses
1,144
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 2022
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95973, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,775 (100%) |
| Owner Occupied HU | 9,269 (55.3%) |
| Renter Occupied HU | 6,726 (40.1%) |
| Vacant Housing Units | 780 ( 4.6%) |
| Median Home Value | $496,934 |
| Average Home Value | $539,362 |
Housing Distribution
Address Breakdown
Residential
16,726
Single Family
14,083
Multi-Family
2,643
Businesses
1,144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices