563 4th StTulelakeCA96134
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 563 4th St, Tulelake, CA, 96134 in Tulelake is narrow, $70/mo net on $1,462/mo rent after the $1,012/mo debt service, but the property operates at break-even-plus, not a loss. At $225,000 with a 7.8% yield, the long-run equity case via 5% appreciation ($62,163 over five years) and $2,072/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $89,844.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $70 | $1,200 |
City averages based on Tulelake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,462 |
| Total Monthly Debt Service | $1,302 |
| DSCR Ratio | 1.12x |
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
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96134, Tulelake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 932 (100%) |
| Owner Occupied HU | 485 (52.0%) |
| Renter Occupied HU | 248 (26.6%) |
| Vacant Housing Units | 199 (21.4%) |
| Median Home Value | $303,017 |
| Average Home Value | $328,727 |
Housing Distribution
Address Breakdown
Residential
416
Single Family
416
Multi-Family
0
Businesses
81
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
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96134, Tulelake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 932 (100%) |
| Owner Occupied HU | 485 (52.0%) |
| Renter Occupied HU | 248 (26.6%) |
| Vacant Housing Units | 199 (21.4%) |
| Median Home Value | $303,017 |
| Average Home Value | $328,727 |
Housing Distribution
Address Breakdown
Residential
416
Single Family
416
Multi-Family
0
Businesses
81
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Modoc County AOR
Mls ID: #2906705