5475 Jacoby Creek RdBaysideCA95524
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 5475 Jacoby Creek Rd, Bayside, CA, 95524 in Bayside worth study. Rental yield 5.7%. The 5.7% gross yield is below cash-flow benchmarks at $625,000, but 5% annual appreciation, adding $172,676 over five years, frames this as a capital growth position. Rent of $2,969/mo partially offsets the $2,810/mo payment. Ziffy Mortgage finances appreciation-play properties (1.06 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $179,266.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 5.0% |
| Monthly Cash Flow | $(898) | $1,500 |
City averages based on Bayside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,969 |
| Total Monthly Debt Service | $3,618 |
| DSCR Ratio | 0.82x |
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 1981
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95524, Bayside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 679 (100%) |
| Owner Occupied HU | 466 (68.6%) |
| Renter Occupied HU | 158 (23.3%) |
| Vacant Housing Units | 55 ( 8.1%) |
| Median Home Value | $652,930 |
| Average Home Value | $714,045 |
Housing Distribution
Address Breakdown
Residential
662
Single Family
662
Multi-Family
0
Businesses
123
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 1981
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95524, Bayside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 679 (100%) |
| Owner Occupied HU | 466 (68.6%) |
| Renter Occupied HU | 158 (23.3%) |
| Vacant Housing Units | 55 ( 8.1%) |
| Median Home Value | $652,930 |
| Average Home Value | $714,045 |
Housing Distribution
Address Breakdown
Residential
662
Single Family
662
Multi-Family
0
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracie Creps • EXP Realty of California, Inc.
Mls Name: HBMLS
Mls ID: #270650