395 N Spring StUkiahCA95482
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 395 N Spring St, Ukiah, CA, 95482 in Ukiah worth study. Rental yield 4.02%. The 4.02% gross yield is below cash-flow benchmarks at $739,000, but 5% annual appreciation, adding $204,172 over five years, frames this as a capital growth position. Rent of $2,474/mo partially offsets the $3,323/mo payment. Ziffy Mortgage finances appreciation-play properties (0.74 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $131,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.5% |
| Monthly Cash Flow | $(2,331) | $250 |
City averages based on Ukiah market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,474 |
| Total Monthly Debt Service | $4,511 |
| DSCR Ratio | 0.55x |
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.
Multi Family
Built in N/A
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95482, Ukiah, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,724 (100%) |
| Owner Occupied HU | 6,678 (48.7%) |
| Renter Occupied HU | 5,995 (43.7%) |
| Vacant Housing Units | 1,051 ( 7.7%) |
| Median Home Value | $532,811 |
| Average Home Value | $608,308 |
Housing Distribution
Address Breakdown
Residential
12,300
Single Family
10,466
Multi-Family
1,834
Businesses
1,768
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
Multi Family
Built in N/A
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95482, Ukiah, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,724 (100%) |
| Owner Occupied HU | 6,678 (48.7%) |
| Renter Occupied HU | 5,995 (43.7%) |
| Vacant Housing Units | 1,051 ( 7.7%) |
| Median Home Value | $532,811 |
| Average Home Value | $608,308 |
Housing Distribution
Address Breakdown
Residential
12,300
Single Family
10,466
Multi-Family
1,834
Businesses
1,768
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tyler Wolcott • Excellerate Real Estate
Mls Name: BAREIS
Mls Provider:
Mls ID: #325024846
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.