472 Kelly Ridge RdOrovilleCA95966
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 472 Kelly Ridge Rd, Oroville, CA, 95966 in Oroville. At $329,900 it earns $2,474/mo in rent and distributes $434/mo to the owner after the $1,483/mo payment, a consistent 9% yield. DSCR 1.67 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $91,145 in value; $3,038/yr in principal paydown compounds ownership stake. Total projected return: $152,995.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.0% |
| Monthly Cash Flow | $434 | $1,200 |
City averages based on Oroville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,474 |
| Total Monthly Debt Service | $1,910 |
| DSCR Ratio | 1.30x |
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 1984
0.44 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
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 1984
0.44 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
Nearby investment properties with comparable prices
Listed by: Barbara Boeger • Century 21 Select Real Estate, Inc.
Mls Name: CRMLS
Mls ID: #SN25188766