3808 Indian Creek RdHappy CampCA96039
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3808 Indian Creek Rd, Happy Camp, CA, 96039 in Happy Camp. Priced at $295,000, it generates $2,538/mo in gross rent and $713/mo in net monthly cash flow, a 10.32% yield that comfortably supports the 1.91 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,557. Five-year appreciation: $81,503. Equity from principal paydown: $2,717/yr. Total projected cumulative return: $157,710.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.0% |
| Monthly Cash Flow | $713 | $1,200 |
City averages based on Happy Camp market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,538 |
| Total Monthly Debt Service | $1,708 |
| DSCR Ratio | 1.49x |
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.
Single Family
Built in N/A
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96039, Happy Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 283 (48.0%) |
| Renter Occupied HU | 170 (28.8%) |
| Vacant Housing Units | 137 (23.2%) |
| Median Home Value | $301,163 |
| Average Home Value | $366,846 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
57
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 N/A
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96039, Happy Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 283 (48.0%) |
| Renter Occupied HU | 170 (28.8%) |
| Vacant Housing Units | 137 (23.2%) |
| Median Home Value | $301,163 |
| Average Home Value | $366,846 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carrol Nelson • The River Connection Realty
Mls Name: SMLS
Mls ID: #20260113