405 Old Cottonwood Creek RdHornbrookCA96044
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 405 Old Cottonwood Creek Rd, Hornbrook, CA, 96044 in Hornbrook. Rental yield 7.31%. The 1.35 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $89,792 and $2,993/yr in principal reduction project total return of $121,266.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 7.0% |
| Monthly Cash Flow | $(32) | $1,200 |
City averages based on Hornbrook market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,979 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 1.05x |
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 N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96044, Hornbrook, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 567 (100%) |
| Owner Occupied HU | 364 (64.2%) |
| Renter Occupied HU | 129 (22.8%) |
| Vacant Housing Units | 74 (13.1%) |
| Median Home Value | $350,000 |
| Average Home Value | $474,210 |
Housing Distribution
Address Breakdown
Residential
340
Single Family
340
Multi-Family
0
Businesses
23
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 N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96044, Hornbrook, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 567 (100%) |
| Owner Occupied HU | 364 (64.2%) |
| Renter Occupied HU | 129 (22.8%) |
| Vacant Housing Units | 74 (13.1%) |
| Median Home Value | $350,000 |
| Average Home Value | $474,210 |
Housing Distribution
Address Breakdown
Residential
340
Single Family
340
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lenita Ramos • Sunshine Realty
Mls Name: SMLS
Mls ID: #20250741