4176 Main StShasta LakeCA96019
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.38% gross rental yield, 4176 Main St, Shasta Lake, CA, 96019 in Shasta Lake is priced for capital growth, not immediate cash flow. The $435,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $120,182 by year five, with $4,006/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.00) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $117,307.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(741) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,950 |
| Total Monthly Debt Service | $2,518 |
| DSCR Ratio | 0.77x |
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.
Multi Family
Built in 1993
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96019, Shasta Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,257 (100%) |
| Owner Occupied HU | 2,792 (65.6%) |
| Renter Occupied HU | 1,164 (27.3%) |
| Vacant Housing Units | 301 ( 7.1%) |
| Median Home Value | $285,167 |
| Average Home Value | $359,263 |
Housing Distribution
Address Breakdown
Residential
3,873
Single Family
3,775
Multi-Family
98
Businesses
212
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
Multi Family
Built in 1993
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96019, Shasta Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,257 (100%) |
| Owner Occupied HU | 2,792 (65.6%) |
| Renter Occupied HU | 1,164 (27.3%) |
| Vacant Housing Units | 301 ( 7.1%) |
| Median Home Value | $285,167 |
| Average Home Value | $359,263 |
Housing Distribution
Address Breakdown
Residential
3,873
Single Family
3,775
Multi-Family
98
Businesses
212
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Hannah Swain • TREG, INC dba The Real Estate
Mls Name: SMLS
Mls ID: #25-5235