4170 Needles Hwy #136NeedlesCA92363
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4170 Needles Hwy #136, Needles, CA, 92363 in Needles at $106,000 earns $836/mo in rent and nets $180/mo after the $477/mo payment, a 9.46% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $29,286 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $976/yr in principal paydown, total projected return reaches $51,824.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 8.0% |
| Monthly Cash Flow | $180 | $250 |
City averages based on Needles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $836 |
| Total Monthly Debt Service | $614 |
| DSCR Ratio | 1.36x |
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 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92363, Needles, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,839 (100%) |
| Owner Occupied HU | 1,238 (32.2%) |
| Renter Occupied HU | 1,128 (29.4%) |
| Vacant Housing Units | 1,473 (38.4%) |
| Median Home Value | $136,389 |
| Average Home Value | $189,269 |
Housing Distribution
Address Breakdown
Residential
2,109
Single Family
1,769
Multi-Family
340
Businesses
274
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 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92363, Needles, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,839 (100%) |
| Owner Occupied HU | 1,238 (32.2%) |
| Renter Occupied HU | 1,128 (29.4%) |
| Vacant Housing Units | 1,473 (38.4%) |
| Median Home Value | $136,389 |
| Average Home Value | $189,269 |
Housing Distribution
Address Breakdown
Residential
2,109
Single Family
1,769
Multi-Family
340
Businesses
274
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eric Valdez • Horizon Manufactured Homes INC
Mls Name: My State MLS
Mls ID: #11638780