566 1st StUpper LakeCA95485
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 566 1st St, Upper Lake, CA, 95485 in Upper Lake deserves attention. This $294,000 property earns $2,524/mo in rent, a 10.3% gross yield, and nets $705/mo after the $1,322/mo payment. DSCR 1.91 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $81,227 compounds alongside $2,708/yr in yearly equity build, for a total cumulative return of $156,890.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $705 | $500 |
City averages based on Upper Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,524 |
| Total Monthly Debt Service | $1,702 |
| DSCR Ratio | 1.48x |
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 1958
6,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
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 1958
6,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Damon Schoeffler • Timothy Toye and Associates
Mls Name: CRMLS
Mls ID: #LC25172552