480 3rd StTehamaCA96090
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 480 3rd St, Tehama, CA, 96090 in Tehama at $340,000 earns $2,174/mo in rent and nets $71/mo after the $1,529/mo payment, a 7.67% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $93,936 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $3,131/yr in principal paydown, total projected return reaches $133,463.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.0% |
| Monthly Cash Flow | $71 | $400 |
City averages based on Tehama market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,174 |
| Total Monthly Debt Service | $1,968 |
| DSCR Ratio | 1.10x |
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 1988
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96090, Tehama, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
13
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 1988
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96090, Tehama, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lori A Slade • River City Realty
Mls Name: Tehama County AOR
Mls ID: #20250611