430 4th StOrlandCA95963
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 430 4th St, Orland, CA, 95963 in Orland at $288,000 earns $1,885/mo in rent and nets $45/mo after the $1,295/mo payment, a 7.85% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $79,569 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $2,653/yr in principal paydown, total projected return reaches $112,308.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $45 | $1,000 |
City averages based on Orland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,885 |
| Total Monthly Debt Service | $1,726 |
| DSCR Ratio | 1.09x |
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 1927
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95963, Orland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,336 (100%) |
| Owner Occupied HU | 3,864 (61.0%) |
| Renter Occupied HU | 2,104 (33.2%) |
| Vacant Housing Units | 368 ( 5.8%) |
| Median Home Value | $410,399 |
| Average Home Value | $507,132 |
Housing Distribution
Address Breakdown
Residential
5,973
Single Family
5,639
Multi-Family
334
Businesses
472
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 1927
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95963, Orland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,336 (100%) |
| Owner Occupied HU | 3,864 (61.0%) |
| Renter Occupied HU | 2,104 (33.2%) |
| Vacant Housing Units | 368 ( 5.8%) |
| Median Home Value | $410,399 |
| Average Home Value | $507,132 |
Housing Distribution
Address Breakdown
Residential
5,973
Single Family
5,639
Multi-Family
334
Businesses
472
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices