436 I StBlue LakeCA95525
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 436 I St, Blue Lake, CA, 95525 in Blue Lake earns a 10.32% gross yield at $195,000. Rent of $1,678/mo nets $471/mo after the $877/mo mortgage. The 1.91 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $53,875 and $1,796/yr in equity accumulation project a total cumulative return of $104,341.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.0% |
| Monthly Cash Flow | $471 | $1,200 |
City averages based on Blue Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,678 |
| Total Monthly Debt Service | $1,129 |
| DSCR Ratio | 1.49x |
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 1903
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95525, Blue Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 662 (100%) |
| Owner Occupied HU | 368 (55.6%) |
| Renter Occupied HU | 254 (38.4%) |
| Vacant Housing Units | 40 ( 6.0%) |
| Median Home Value | $630,376 |
| Average Home Value | $631,732 |
Housing Distribution
Address Breakdown
Residential
74
Single Family
74
Multi-Family
0
Businesses
68
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 1903
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95525, Blue Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 662 (100%) |
| Owner Occupied HU | 368 (55.6%) |
| Renter Occupied HU | 254 (38.4%) |
| Vacant Housing Units | 40 ( 6.0%) |
| Median Home Value | $630,376 |
| Average Home Value | $631,732 |
Housing Distribution
Address Breakdown
Residential
74
Single Family
74
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices