46 Willow Creek DrOrovilleCA95966
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Oroville rental at 46 Willow Creek Dr, Oroville, CA, 95966 sits in the solid-income band: 9.22% gross yield, $1,460/mo rent, $226/mo net after the $854/mo debt service, DSCR 1.71. Entry price of $190,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $52,494 and $1,750/yr in principal reduction bring total cumulative return to $86,859.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.0% |
| Monthly Cash Flow | $226 | $1,200 |
City averages based on Oroville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,460 |
| Total Monthly Debt Service | $1,159 |
| DSCR Ratio | 1.26x |
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.
Single Family
Built in 1900
5.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95966, Oroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,172 (100%) |
| Owner Occupied HU | 8,128 (61.7%) |
| Renter Occupied HU | 3,721 (28.2%) |
| Vacant Housing Units | 1,323 (10.0%) |
| Median Home Value | $372,103 |
| Average Home Value | $421,420 |
Housing Distribution
Address Breakdown
Residential
12,450
Single Family
12,036
Multi-Family
414
Businesses
546
Nearby investment properties with comparable rents
- 2 Bed
- 2 Bath
- 924 sft
- 3 Bed
- 2 Bath
- 1680 sft
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 1900
5.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95966, Oroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,172 (100%) |
| Owner Occupied HU | 8,128 (61.7%) |
| Renter Occupied HU | 3,721 (28.2%) |
| Vacant Housing Units | 1,323 (10.0%) |
| Median Home Value | $372,103 |
| Average Home Value | $421,420 |
Housing Distribution
Address Breakdown
Residential
12,450
Single Family
12,036
Multi-Family
414
Businesses
546
Nearby investment properties with comparable rents
- 2 Bed
- 2 Bath
- 924 sft
- 3 Bed
- 2 Bath
- 1680 sft
Nearby investment properties with comparable prices
Listed by: Sandra Huerta • American Home Finance & Lendin
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225039214
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