3761 E Blue Rock RdGarbervilleCA95542
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3761 E Blue Rock Rd, Garberville, CA, 95542 in Garberville fits: $720,000, 2.3% gross yield, and a projected 5% annual appreciation rate adding $198,923 in value within five years. Rental yield 2.3%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.43) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,631/yr in principal paydown and $198,923 in appreciation project a total return of $75,149.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 7.0% |
| Monthly Cash Flow | $(3,074) | $1,200 |
City averages based on Garberville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,380 |
| Total Monthly Debt Service | $4,168 |
| DSCR Ratio | 0.33x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2017
82.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95542, Garberville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,981 (100%) |
| Owner Occupied HU | 967 (48.8%) |
| Renter Occupied HU | 605 (30.5%) |
| Vacant Housing Units | 409 (20.6%) |
| Median Home Value | $612,699 |
| Average Home Value | $620,739 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
817
Multi-Family
25
Businesses
200
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 2017
82.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95542, Garberville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,981 (100%) |
| Owner Occupied HU | 967 (48.8%) |
| Renter Occupied HU | 605 (30.5%) |
| Vacant Housing Units | 409 (20.6%) |
| Median Home Value | $612,699 |
| Average Home Value | $620,739 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
817
Multi-Family
25
Businesses
200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Heather Kornberg • Luxe Places International Real
Mls Name: BAREIS
Mls Provider:
Mls ID: #325030518
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.