4290 Cazadero HighwayCazaderoCA95421
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4290 Cazadero Highway, Cazadero, CA, 95421 in Cazadero is narrow, $194/mo net on $2,050/mo rent after the $1,349/mo debt service, but the property operates at break-even-plus, not a loss. At $299,999 with a 8.2% yield, the long-run equity case via 5% appreciation ($82,884 over five years) and $2,763/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $126,268.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $194 | $300 |
City averages based on Cazadero market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,050 |
| Total Monthly Debt Service | $1,736 |
| DSCR Ratio | 1.18x |
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.
Single Family
Built in 1946
9,544 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95421, Cazadero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,135 (100%) |
| Owner Occupied HU | 525 (46.3%) |
| Renter Occupied HU | 181 (15.9%) |
| Vacant Housing Units | 429 (37.8%) |
| Median Home Value | $895,677 |
| Average Home Value | $975,676 |
Housing Distribution
Address Breakdown
Residential
488
Single Family
485
Multi-Family
3
Businesses
64
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 1946
9,544 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95421, Cazadero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,135 (100%) |
| Owner Occupied HU | 525 (46.3%) |
| Renter Occupied HU | 181 (15.9%) |
| Vacant Housing Units | 429 (37.8%) |
| Median Home Value | $895,677 |
| Average Home Value | $975,676 |
Housing Distribution
Address Breakdown
Residential
488
Single Family
485
Multi-Family
3
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BAREIS
Mls ID: #326040215