400 Sulphur Bank Dr SPACE 109Clearlake OaksCA95423
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 400 Sulphur Bank Dr SPACE 109, Clearlake Oaks, CA, 95423 in Clearlake Oaks deserves attention. This $159,000 property earns $2,225/mo in rent, a 16.79% gross yield, and nets $665/mo after the $715/mo payment. DSCR 3.11 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $43,929 compounds alongside $1,464/yr in yearly equity build, for a total cumulative return of $105,623.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.8% | 6.0% |
| Monthly Cash Flow | $665 | $1,200 |
City averages based on Clearlake Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,225 |
| Total Monthly Debt Service | $1,496 |
| 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.
Manufactured
Built in 2007
44.34 Acres lot
$N/A/sqft
$576 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95423, Clearlake Oaks, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,065 (100%) |
| Owner Occupied HU | 1,568 (51.2%) |
| Renter Occupied HU | 619 (20.2%) |
| Vacant Housing Units | 878 (28.6%) |
| Median Home Value | $333,099 |
| Average Home Value | $368,791 |
Housing Distribution
Address Breakdown
Residential
1,107
Single Family
1,107
Multi-Family
0
Businesses
65
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
Manufactured
Built in 2007
44.34 Acres lot
$N/A/sqft
$576 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95423, Clearlake Oaks, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,065 (100%) |
| Owner Occupied HU | 1,568 (51.2%) |
| Renter Occupied HU | 619 (20.2%) |
| Vacant Housing Units | 878 (28.6%) |
| Median Home Value | $333,099 |
| Average Home Value | $368,791 |
Housing Distribution
Address Breakdown
Residential
1,107
Single Family
1,107
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices