389 Berding St, Ferndale, CA, 95536 | 5.75% Rental Yield

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Total monthly income runs $3,053/mo, and a $3,120/mo payment. Purchase price stands at $637,500, and rental yield measures 5.75% with $3,053/mo rent. Return on cash invested shows 14.97% in year one, and 5% annual appreciation builds toward $176,130 over five years. Five-year ROI reaches 76.3% and total cumulative return in cash records $160,021. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $3,053/mo property income covering a $3,120/mo payment rather than investor’s personal income.

Single Family

Built in 1994

6,534 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 95536, Ferndale, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	1,363 (100%)
Owner Occupied HU	728 (53.4%)
Renter Occupied HU	434 (31.8%)
Vacant Housing Units	201 (14.7%)
Median Home Value	$647,500
Average Home Value	$719,488