3781 Larkin RdBiggsCA95917
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3781 Larkin Rd, Biggs, CA, 95917 in Biggs worth study. Rental yield 3.47%. The 3.47% gross yield is below cash-flow benchmarks at $995,000, but 5% annual appreciation, adding $274,900 over five years, frames this as a capital growth position. Rent of $2,881/mo partially offsets the $4,474/mo payment. Ziffy Mortgage finances appreciation-play properties (0.64 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $166,580.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.0% |
| Monthly Cash Flow | $(3,274) | $300 |
City averages based on Biggs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,881 |
| Total Monthly Debt Service | $5,759 |
| DSCR Ratio | 0.50x |
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 1977
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95917, Biggs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,143 (100%) |
| Owner Occupied HU | 759 (66.4%) |
| Renter Occupied HU | 303 (26.5%) |
| Vacant Housing Units | 81 ( 7.1%) |
| Median Home Value | $460,497 |
| Average Home Value | $553,854 |
Housing Distribution
Address Breakdown
Residential
569
Single Family
569
Multi-Family
0
Businesses
68
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 1977
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95917, Biggs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,143 (100%) |
| Owner Occupied HU | 759 (66.4%) |
| Renter Occupied HU | 303 (26.5%) |
| Vacant Housing Units | 81 ( 7.1%) |
| Median Home Value | $460,497 |
| Average Home Value | $553,854 |
Housing Distribution
Address Breakdown
Residential
569
Single Family
569
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kari Wheeler • LPT Realty, Inc
Mls Name: MetroList Services of CA
Mls ID: #226005893