4416 Needham AveDunsmuirCA96025
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4416 Needham Ave, Dunsmuir, CA, 96025 in Dunsmuir: $1,890/mo in rent, $282/mo in net income, 8.73% gross yield, 1.68 DSCR, all at $249,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $69,043 in appreciation and $2,302/yr in principal paydown projects total cumulative return of $116,921.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 5.0% |
| Monthly Cash Flow | $282 | $200 |
City averages based on Dunsmuir market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,890 |
| Total Monthly Debt Service | $1,446 |
| DSCR Ratio | 1.31x |
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 N/A
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96025, Dunsmuir, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,481 (100%) |
| Owner Occupied HU | 616 (41.6%) |
| Renter Occupied HU | 415 (28.0%) |
| Vacant Housing Units | 450 (30.4%) |
| Median Home Value | $321,429 |
| Average Home Value | $363,713 |
Housing Distribution
Address Breakdown
Residential
1,009
Single Family
976
Multi-Family
33
Businesses
82
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 N/A
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96025, Dunsmuir, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,481 (100%) |
| Owner Occupied HU | 616 (41.6%) |
| Renter Occupied HU | 415 (28.0%) |
| Vacant Housing Units | 450 (30.4%) |
| Median Home Value | $321,429 |
| Average Home Value | $363,713 |
Housing Distribution
Address Breakdown
Residential
1,009
Single Family
976
Multi-Family
33
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Candice Green • Mt. Shasta Realty, Inc.
Mls Name: SMLS
Mls Provider:
Mls ID: #20250801
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.