581 Garrett RdHyampomCA96046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Hyampom rental at 581 Garrett Rd, Hyampom, CA, 96046 sits in the solid-income band: 8.83% gross yield, $3,289/mo rent, $524/mo net after the $2,010/mo debt service, DSCR 1.64. Entry price of $447,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $123,498 and $4,117/yr in principal reduction bring total cumulative return to $203,207.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $524 | $500 |
City averages based on Hyampom market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,289 |
| Total Monthly Debt Service | $2,587 |
| DSCR Ratio | 1.27x |
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.
Multi Family
Built in 2004
4.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96046, Hyampom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 165 (100%) |
| Owner Occupied HU | 93 (56.4%) |
| Renter Occupied HU | 26 (15.8%) |
| Vacant Housing Units | 46 (27.9%) |
| Median Home Value | $417,442 |
| Average Home Value | $403,495 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
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
Multi Family
Built in 2004
4.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96046, Hyampom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 165 (100%) |
| Owner Occupied HU | 93 (56.4%) |
| Renter Occupied HU | 26 (15.8%) |
| Vacant Housing Units | 46 (27.9%) |
| Median Home Value | $417,442 |
| Average Home Value | $403,495 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jim Campbell • Jim Campbell
Mls Name: MetroList Services of CA
Mls ID: #225145462