414 Highland AveTrinidadCA95570
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 414 Highland Ave, Trinidad, CA, 95570 in Trinidad worth study. Rental yield 2.93%. The 2.93% gross yield is below cash-flow benchmarks at $1,775,000, but 5% annual appreciation, adding $490,400 over five years, frames this as a capital growth position. Rent of $4,331/mo partially offsets the $7,982/mo payment. Ziffy Mortgage finances appreciation-play properties (0.54 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $245,124.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 7.0% |
| Monthly Cash Flow | $(6,650) | $1,500 |
City averages based on Trinidad market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,331 |
| Total Monthly Debt Service | $10,274 |
| DSCR Ratio | 0.42x |
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 2005
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95570, Trinidad, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,531 (100%) |
| Owner Occupied HU | 803 (52.4%) |
| Renter Occupied HU | 377 (24.6%) |
| Vacant Housing Units | 351 (22.9%) |
| Median Home Value | $683,104 |
| Average Home Value | $765,788 |
Housing Distribution
Address Breakdown
Residential
741
Single Family
741
Multi-Family
0
Businesses
79
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 2005
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95570, Trinidad, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,531 (100%) |
| Owner Occupied HU | 803 (52.4%) |
| Renter Occupied HU | 377 (24.6%) |
| Vacant Housing Units | 351 (22.9%) |
| Median Home Value | $683,104 |
| Average Home Value | $765,788 |
Housing Distribution
Address Breakdown
Residential
741
Single Family
741
Multi-Family
0
Businesses
79
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lauren Smith • The Key Real Estate Group
Mls Name: HBMLS
Mls ID: #271103