45 Oro MonteSutter CreekCA95685
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow45 Oro Monte, Sutter Creek, CA, 95685 in Sutter Creek is a top-tier cash-flow asset. At $150,000 it produces $2,179/mo in rent and $1,156/mo in net monthly income, a 17.43% gross rental yield. The DSCR of 3.23 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $13,875. Five-year appreciation adds $41,442, driving a total cumulative return of $131,744.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17.4% | 6.2% |
| Monthly Cash Flow | $1,156 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,179 |
| Total Monthly Debt Service | $963 |
| DSCR Ratio | 2.26x |
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.
Manufactured
Built in 1971
3,733 sqft lot
$N/A/sqft
$95 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95685, Sutter Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,596 (100%) |
| Owner Occupied HU | 1,507 (58.1%) |
| Renter Occupied HU | 758 (29.2%) |
| Vacant Housing Units | 331 (12.8%) |
| Median Home Value | $553,534 |
| Average Home Value | $645,873 |
Housing Distribution
Address Breakdown
Residential
1,778
Single Family
1,548
Multi-Family
230
Businesses
269
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
Manufactured
Built in 1971
3,733 sqft lot
$N/A/sqft
$95 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95685, Sutter Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,596 (100%) |
| Owner Occupied HU | 1,507 (58.1%) |
| Renter Occupied HU | 758 (29.2%) |
| Vacant Housing Units | 331 (12.8%) |
| Median Home Value | $553,534 |
| Average Home Value | $645,873 |
Housing Distribution
Address Breakdown
Residential
1,778
Single Family
1,548
Multi-Family
230
Businesses
269
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brenda Cannon • Davenport Properties
Mls Name: MetroList Services of CA
Mls ID: #225057089