4605 Scotts Valley RoadLakeportCA95453
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4605 Scotts Valley Road, Lakeport, CA, 95453 in Lakeport. Priced at $675,000, it generates $6,592/mo in gross rent and $2,416/mo in net monthly cash flow, a 11.72% yield that comfortably supports the 2.17 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $28,991. Five-year appreciation: $186,490. Equity from principal paydown: $6,217/yr. Total projected cumulative return: $411,492.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $2,416 | $1,200 |
City averages based on Lakeport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,592 |
| Total Monthly Debt Service | $3,907 |
| DSCR Ratio | 1.69x |
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 2025
19.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95453, Lakeport, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,805 (100%) |
| Owner Occupied HU | 3,407 (58.7%) |
| Renter Occupied HU | 1,622 (27.9%) |
| Vacant Housing Units | 776 (13.4%) |
| Median Home Value | $452,743 |
| Average Home Value | $500,293 |
Housing Distribution
Address Breakdown
Residential
4,950
Single Family
4,688
Multi-Family
262
Businesses
738
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 2025
19.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95453, Lakeport, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,805 (100%) |
| Owner Occupied HU | 3,407 (58.7%) |
| Renter Occupied HU | 1,622 (27.9%) |
| Vacant Housing Units | 776 (13.4%) |
| Median Home Value | $452,743 |
| Average Home Value | $500,293 |
Housing Distribution
Address Breakdown
Residential
4,950
Single Family
4,688
Multi-Family
262
Businesses
738
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carissa M Sadlier • eXp Realty of California, Inc
Mls Name: BAREIS
Mls ID: #326006286