432 Lilac LnChicoCA95926
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 432 Lilac Ln, Chico, CA, 95926 in Chico speaks for itself: 10.34% gross on a $485,000 price, generating $4,178/mo in rent and $1,162/mo in net income after the $2,181/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $13,943 stacks alongside $133,997 in projected five-year appreciation and $4,467/yr in principal reduction. Projected total cumulative return: $258,729.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $1,162 | $200 |
City averages based on Chico market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,178 |
| Total Monthly Debt Service | $2,823 |
| DSCR Ratio | 1.48x |
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 1960
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95926, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,532 (100%) |
| Owner Occupied HU | 6,854 (39.1%) |
| Renter Occupied HU | 9,482 (54.1%) |
| Vacant Housing Units | 1,196 ( 6.8%) |
| Median Home Value | $479,496 |
| Average Home Value | $534,728 |
Housing Distribution
Address Breakdown
Residential
16,073
Single Family
12,262
Multi-Family
3,811
Businesses
1,313
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 1960
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95926, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,532 (100%) |
| Owner Occupied HU | 6,854 (39.1%) |
| Renter Occupied HU | 9,482 (54.1%) |
| Vacant Housing Units | 1,196 ( 6.8%) |
| Median Home Value | $479,496 |
| Average Home Value | $534,728 |
Housing Distribution
Address Breakdown
Residential
16,073
Single Family
12,262
Multi-Family
3,811
Businesses
1,313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices