39 Pennsylvania AvePetroliaCA95558
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 39 Pennsylvania Ave, Petrolia, CA, 95558 in Petrolia. Priced at $130,000, it generates $2,347/mo in gross rent and $1,543/mo in net monthly cash flow, a 21.67% yield that comfortably supports the 4.01 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,516. Five-year appreciation: $35,917. Equity from principal paydown: $1,197/yr. Total projected cumulative return: $148,589.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.7% | 6.0% |
| Monthly Cash Flow | $1,543 | $200 |
City averages based on Petrolia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,347 |
| Total Monthly Debt Service | $752 |
| DSCR Ratio | 3.12x |
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 1901
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95558, Petrolia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 278 (100%) |
| Owner Occupied HU | 141 (50.7%) |
| Renter Occupied HU | 76 (27.3%) |
| Vacant Housing Units | 61 (21.9%) |
| Median Home Value | $765,909 |
| Average Home Value | $823,901 |
Housing Distribution
Address Breakdown
Residential
41
Single Family
41
Multi-Family
0
Businesses
24
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 1901
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95558, Petrolia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 278 (100%) |
| Owner Occupied HU | 141 (50.7%) |
| Renter Occupied HU | 76 (27.3%) |
| Vacant Housing Units | 61 (21.9%) |
| Median Home Value | $765,909 |
| Average Home Value | $823,901 |
Housing Distribution
Address Breakdown
Residential
41
Single Family
41
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Zoe Sigman • Corcoran Icon Properties Arcata
Mls Name: HBMLS
Mls Provider:
Mls ID: #267963
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.