46 Ecua Mission LnChicoCA95973
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 46 Ecua Mission Ln, Chico, CA, 95973 in Chico speaks for itself: 10.09% gross on a $559,000 price, generating $4,700/mo in rent and $1,222/mo in net income after the $2,514/mo debt service. DSCR 1.87, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,667 stacks alongside $154,441 in projected five-year appreciation and $5,148/yr in principal reduction. Projected total cumulative return: $290,649.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $1,222 | $200 |
City averages based on Chico market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,700 |
| Total Monthly Debt Service | $3,256 |
| DSCR Ratio | 1.44x |
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 2005
10.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95973, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,775 (100%) |
| Owner Occupied HU | 9,269 (55.3%) |
| Renter Occupied HU | 6,726 (40.1%) |
| Vacant Housing Units | 780 ( 4.6%) |
| Median Home Value | $496,934 |
| Average Home Value | $539,362 |
Housing Distribution
Address Breakdown
Residential
16,726
Single Family
14,083
Multi-Family
2,643
Businesses
1,144
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 2005
10.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95973, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,775 (100%) |
| Owner Occupied HU | 9,269 (55.3%) |
| Renter Occupied HU | 6,726 (40.1%) |
| Vacant Housing Units | 780 ( 4.6%) |
| Median Home Value | $496,934 |
| Average Home Value | $539,362 |
Housing Distribution
Address Breakdown
Residential
16,726
Single Family
14,083
Multi-Family
2,643
Businesses
1,144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices