4540 Bear Creek Rd, Garden Valley, CA, 95633 | $686/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Garden Valley at 4540 Bear Creek Rd, Garden Valley, CA, 95633 priced at $240,000 converts $2,171/mo rent into $686/mo cash flow after a $1,175/mo obligation. Total monthly income equals $2,171/mo, and annual cash flow totals $8,232/yr on $79,560 invested. Return on cash invested prints 30.26% in year one, and rental yield reads 10.85% against a $240,000 entry. Equity gained on principal adds $1,549/yr, while 5% annual appreciation compiles into $66,308 by year five. Five-year ROI reaches 158.31% and total cumulative return in cash sums $125,954. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $2,171/mo property income covering a $1,175/mo payment, not borrower’s personal income.

Lot

Built in N/A

38.62 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 95633, Garden Valley, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	1,451 (100%)
Owner Occupied HU	1,132 (78.0%)
Renter Occupied HU	160 (11.0%)
Vacant Housing Units	159 (11.0%)
Median Home Value	$531,414
Average Home Value	$586,062