422 Cottage Cir, Winters, CA, 95694 | $117/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Winters at 422 Cottage Cir, Winters, CA, 95694 offers a 7.78% rental yield on a $534,900 purchase with $3,467/mo rent. Total monthly income registers $3,467/mo, and a $2,618/mo payment leaves $117/mo available for distribution. Annual cash flow reaches $1,400/yr on $175,982 to close, and return on cash invested stands at 20.86% in year one. Equity gained on principal adds $3,452/yr while 5% annual appreciation supports $147,783 over five years. Portfolio math shows five-year ROI at 107.98% and total cumulative return in cash at $190,029. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $3,467/mo property income against a $2,618/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 2004

2,614 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 95694, Winters, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	3,900 (100%)
Owner Occupied HU	2,516 (64.5%)
Renter Occupied HU	1,152 (29.5%)
Vacant Housing Units	232 ( 5.9%)
Median Home Value	$637,705
Average Home Value	$771,853