521 Pine LnGarbervilleCA95542
INVESTMENT ANALYSIS
Investment Verdict
Solid Income521 Pine Ln, Garberville, CA, 95542 in Garberville is a solid income-producing rental, 8.71% gross yield, $1,444/mo rent, $205/mo net cash flow on a $199,000 buy. DSCR 1.61 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $54,980 and $1,833/yr in principal reduction project a total cumulative return of $88,734.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.0% |
| Monthly Cash Flow | $205 | $1,200 |
City averages based on Garberville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,444 |
| Total Monthly Debt Service | $1,160 |
| DSCR Ratio | 1.25x |
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 2015
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95542, Garberville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,981 (100%) |
| Owner Occupied HU | 967 (48.8%) |
| Renter Occupied HU | 605 (30.5%) |
| Vacant Housing Units | 409 (20.6%) |
| Median Home Value | $612,699 |
| Average Home Value | $620,739 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
817
Multi-Family
25
Businesses
200
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 2015
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95542, Garberville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,981 (100%) |
| Owner Occupied HU | 967 (48.8%) |
| Renter Occupied HU | 605 (30.5%) |
| Vacant Housing Units | 409 (20.6%) |
| Median Home Value | $612,699 |
| Average Home Value | $620,739 |
Housing Distribution
Address Breakdown
Residential
842
Single Family
817
Multi-Family
25
Businesses
200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices