500 Smitty LnWest PointCA95255
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow500 Smitty Ln, West Point, CA, 95255 in West Point is a solid income-producing rental, 11.93% gross yield, $1,840/mo rent, $491/mo net cash flow on a $185,000 buy. DSCR 2.21 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $51,112 and $1,704/yr in principal reduction project a total cumulative return of $102,701.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 7.0% |
| Monthly Cash Flow | $491 | $1,200 |
City averages based on West Point market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,840 |
| Total Monthly Debt Service | $1,275 |
| DSCR Ratio | 1.44x |
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 1947
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95255, West Point, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,108 (100%) |
| Owner Occupied HU | 661 (59.7%) |
| Renter Occupied HU | 186 (16.8%) |
| Vacant Housing Units | 261 (23.6%) |
| Median Home Value | $399,457 |
| Average Home Value | $370,458 |
Housing Distribution
Address Breakdown
Residential
305
Single Family
305
Multi-Family
0
Businesses
48
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 1947
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95255, West Point, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,108 (100%) |
| Owner Occupied HU | 661 (59.7%) |
| Renter Occupied HU | 186 (16.8%) |
| Vacant Housing Units | 261 (23.6%) |
| Median Home Value | $399,457 |
| Average Home Value | $370,458 |
Housing Distribution
Address Breakdown
Residential
305
Single Family
305
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jill Gardner • Sierra Homes & Properties
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225053145
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