432 N Butte StWillowsCA95988
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow432 N Butte St, Willows, CA, 95988 in Willows is a solid income-producing rental, 10.64% gross yield, $1,153/mo rent, $349/mo net cash flow on a $130,000 buy. DSCR 1.97 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $35,917 and $1,197/yr in principal reduction project a total cumulative return of $71,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.0% |
| Monthly Cash Flow | $349 | $1,500 |
City averages based on Willows market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,153 |
| Total Monthly Debt Service | $752 |
| DSCR Ratio | 1.53x |
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.
Multi Family
Built in 1910
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95988, Willows, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,639 (100%) |
| Owner Occupied HU | 1,842 (50.6%) |
| Renter Occupied HU | 1,471 (40.4%) |
| Vacant Housing Units | 326 ( 9.0%) |
| Median Home Value | $406,037 |
| Average Home Value | $498,278 |
Housing Distribution
Address Breakdown
Residential
3,400
Single Family
2,957
Multi-Family
443
Businesses
398
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 1910
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95988, Willows, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,639 (100%) |
| Owner Occupied HU | 1,842 (50.6%) |
| Renter Occupied HU | 1,471 (40.4%) |
| Vacant Housing Units | 326 ( 9.0%) |
| Median Home Value | $406,037 |
| Average Home Value | $498,278 |
Housing Distribution
Address Breakdown
Residential
3,400
Single Family
2,957
Multi-Family
443
Businesses
398
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Schuller • Preferred Agents Real Estate
Mls Name: CRMLS
Mls ID: #SN25193114