395 15th StLakeportCA95453
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 395 15th St, Lakeport, CA, 95453 in Lakeport deserves attention. This $344,000 property earns $3,024/mo in rent, a 10.55% gross yield, and nets $849/mo after the $1,547/mo payment. DSCR 1.95 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $95,041 compounds alongside $3,168/yr in yearly equity build, for a total cumulative return of $185,273.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.0% |
| Monthly Cash Flow | $849 | $1,200 |
City averages based on Lakeport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,024 |
| Total Monthly Debt Service | $2,038 |
| DSCR Ratio | 1.48x |
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 1995
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95453, Lakeport, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,805 (100%) |
| Owner Occupied HU | 3,407 (58.7%) |
| Renter Occupied HU | 1,622 (27.9%) |
| Vacant Housing Units | 776 (13.4%) |
| Median Home Value | $452,743 |
| Average Home Value | $500,293 |
Housing Distribution
Address Breakdown
Residential
4,950
Single Family
4,688
Multi-Family
262
Businesses
738
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 1995
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95453, Lakeport, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,805 (100%) |
| Owner Occupied HU | 3,407 (58.7%) |
| Renter Occupied HU | 1,622 (27.9%) |
| Vacant Housing Units | 776 (13.4%) |
| Median Home Value | $452,743 |
| Average Home Value | $500,293 |
Housing Distribution
Address Breakdown
Residential
4,950
Single Family
4,688
Multi-Family
262
Businesses
738
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices