533 Live Oak DrHappy CampCA96039
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play533 Live Oak Dr, Happy Camp, CA, 96039 in Happy Camp is priced for appreciation, not yield. Rental yield 5.16%. At $375,000 with a 5.16% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $103,606 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.96) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $96,788.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 7.0% |
| Monthly Cash Flow | $(706) | $1,200 |
City averages based on Happy Camp market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,614 |
| Total Monthly Debt Service | $2,171 |
| DSCR Ratio | 0.74x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96039, Happy Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 283 (48.0%) |
| Renter Occupied HU | 170 (28.8%) |
| Vacant Housing Units | 137 (23.2%) |
| Median Home Value | $301,163 |
| Average Home Value | $366,846 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
57
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 N/A
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96039, Happy Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 283 (48.0%) |
| Renter Occupied HU | 170 (28.8%) |
| Vacant Housing Units | 137 (23.2%) |
| Median Home Value | $301,163 |
| Average Home Value | $366,846 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SMLS
Mls ID: #20260575