604 Mill PlJacksonCA95642
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 604 Mill Pl, Jackson, CA, 95642 in Jackson at $429,000 earns $2,705/mo in rent and nets $51/mo after the $1,929/mo payment, a 7.57% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $118,525 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $3,951/yr in principal paydown, total projected return reaches $165,964.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $51 | $350 |
City averages based on Jackson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,705 |
| Total Monthly Debt Service | $2,483 |
| DSCR Ratio | 1.09x |
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 1988
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95642, Jackson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,660 (100%) |
| Owner Occupied HU | 2,160 (59.0%) |
| Renter Occupied HU | 1,117 (30.5%) |
| Vacant Housing Units | 383 (10.5%) |
| Median Home Value | $517,516 |
| Average Home Value | $581,959 |
Housing Distribution
Address Breakdown
Residential
3,095
Single Family
2,801
Multi-Family
294
Businesses
724
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 1988
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95642, Jackson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,660 (100%) |
| Owner Occupied HU | 2,160 (59.0%) |
| Renter Occupied HU | 1,117 (30.5%) |
| Vacant Housing Units | 383 (10.5%) |
| Median Home Value | $517,516 |
| Average Home Value | $581,959 |
Housing Distribution
Address Breakdown
Residential
3,095
Single Family
2,801
Multi-Family
294
Businesses
724
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynn Siligo • Davenport Properties
Mls Name: MetroList Services of CA
Mls ID: #226014378