4111 Oak Creek DrLoma RicaCA95901
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4111 Oak Creek Dr, Loma Rica, CA, 95901 in Loma Rica at $704,999, 5.15% gross yield, is a market-growth asset. Rental yield 5.15%. The $3,023/mo rent partially funds the $3,170/mo debt service; the core return is the 5%/yr price growth projected to add $194,778 over five years. Ziffy Mortgage's DSCR mortgage (0.95) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $181,235.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(1,338) | $1,500 |
City averages based on Loma Rica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,023 |
| Total Monthly Debt Service | $4,081 |
| DSCR Ratio | 0.74x |
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.
Single Family
Built in 2006
11.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95901, Marysville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,975 (100%) |
| Owner Occupied HU | 7,256 (51.9%) |
| Renter Occupied HU | 5,633 (40.3%) |
| Vacant Housing Units | 1,086 ( 7.8%) |
| Median Home Value | $380,118 |
| Average Home Value | $417,184 |
Housing Distribution
Address Breakdown
Residential
12,803
Single Family
11,599
Multi-Family
1,204
Businesses
975
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 2006
11.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95901, Marysville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,975 (100%) |
| Owner Occupied HU | 7,256 (51.9%) |
| Renter Occupied HU | 5,633 (40.3%) |
| Vacant Housing Units | 1,086 ( 7.8%) |
| Median Home Value | $380,118 |
| Average Home Value | $417,184 |
Housing Distribution
Address Breakdown
Residential
12,803
Single Family
11,599
Multi-Family
1,204
Businesses
975
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Harvey Ramirez • California Gold Realty
Mls Name: MetroList Services of CA
Mls ID: #226008638