481 Hardy StArbuckleCA95912
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 481 Hardy St, Arbuckle, CA, 95912 in Arbuckle offers a clean, manageable entry. Rental yield 7.2%. DSCR 1.33 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $116,038 in additional property value over five years, with $3,868/yr in principal equity building ownership stake. Total projected cumulative return: $154,213.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $(78) | $1,200 |
City averages based on Arbuckle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,520 |
| Total Monthly Debt Service | $2,431 |
| DSCR Ratio | 1.04x |
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
1.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95912, Arbuckle, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,798 (100%) |
| Owner Occupied HU | 1,071 (59.6%) |
| Renter Occupied HU | 587 (32.6%) |
| Vacant Housing Units | 140 ( 7.8%) |
| Median Home Value | $496,667 |
| Average Home Value | $557,138 |
Housing Distribution
Address Breakdown
Residential
859
Single Family
773
Multi-Family
86
Businesses
118
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
1.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95912, Arbuckle, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,798 (100%) |
| Owner Occupied HU | 1,071 (59.6%) |
| Renter Occupied HU | 587 (32.6%) |
| Vacant Housing Units | 140 ( 7.8%) |
| Median Home Value | $496,667 |
| Average Home Value | $557,138 |
Housing Distribution
Address Breakdown
Residential
859
Single Family
773
Multi-Family
86
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Colleen Wrysinski • Keller Williams Realty-Yuba Sutter
Mls Name: MetroList Services of CA
Mls ID: #225143669