3656 Old Arcata Rd SPACE 34EurekaCA95503
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Eureka rentals match the income profile of 3656 Old Arcata Rd SPACE 34, Eureka, CA, 95503. Listed at $172,500, gross rent is $2,182/mo and net cash flow is $1,114/mo, a 15.18% yield well above national averages. DSCR 2.81 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $47,659 by year five with $1,589/yr in annual principal reduction, projecting $137,165 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.2% | 5.0% |
| Monthly Cash Flow | $1,114 | $300 |
City averages based on Eureka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,182 |
| Total Monthly Debt Service | $998 |
| DSCR Ratio | 2.19x |
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 1990
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95503, Eureka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,819 (100%) |
| Owner Occupied HU | 6,597 (61.0%) |
| Renter Occupied HU | 3,485 (32.2%) |
| Vacant Housing Units | 737 ( 6.8%) |
| Median Home Value | $491,634 |
| Average Home Value | $530,221 |
Housing Distribution
Address Breakdown
Residential
10,220
Single Family
10,133
Multi-Family
87
Businesses
335
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 1990
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95503, Eureka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,819 (100%) |
| Owner Occupied HU | 6,597 (61.0%) |
| Renter Occupied HU | 3,485 (32.2%) |
| Vacant Housing Units | 737 ( 6.8%) |
| Median Home Value | $491,634 |
| Average Home Value | $530,221 |
Housing Distribution
Address Breakdown
Residential
10,220
Single Family
10,133
Multi-Family
87
Businesses
335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices