4585 Risstay WayShasta LakeCA96019
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder4585 Risstay Way, Shasta Lake, CA, 96019 in Shasta Lake is a stable, well-positioned rental at $507,900. Rental yield 7.12%. DSCR 1.32 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $140,323 in value and $4,678/yr in principal paydown builds equity, a total projected return of $184,265.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $(152) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,013 |
| Total Monthly Debt Service | $2,940 |
| DSCR Ratio | 1.02x |
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 2018
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96019, Shasta Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,257 (100%) |
| Owner Occupied HU | 2,792 (65.6%) |
| Renter Occupied HU | 1,164 (27.3%) |
| Vacant Housing Units | 301 ( 7.1%) |
| Median Home Value | $285,167 |
| Average Home Value | $359,263 |
Housing Distribution
Address Breakdown
Residential
3,873
Single Family
3,775
Multi-Family
98
Businesses
212
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 2018
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96019, Shasta Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,257 (100%) |
| Owner Occupied HU | 2,792 (65.6%) |
| Renter Occupied HU | 1,164 (27.3%) |
| Vacant Housing Units | 301 ( 7.1%) |
| Median Home Value | $285,167 |
| Average Home Value | $359,263 |
Housing Distribution
Address Breakdown
Residential
3,873
Single Family
3,775
Multi-Family
98
Businesses
212
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SMLS
Mls ID: #26-1520