608 Smitty LnWest PointCA95255
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 608 Smitty Ln, West Point, CA, 95255 in West Point hard to pass up. The 20.02% gross yield on a $100,000 purchase results in $1,668/mo in rent and $1,049/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (3.71). Annual cash flow of $12,593, five-year appreciation of $27,628, and $921/yr in equity build-up combine for a projected total cumulative return of $105,425.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 20% | 7.0% |
| Monthly Cash Flow | $1,049 | $1,200 |
City averages based on West Point market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,668 |
| Total Monthly Debt Service | $579 |
| DSCR Ratio | 2.88x |
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.
Lot
Built in N/A
5.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95255, West Point, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,108 (100%) |
| Owner Occupied HU | 661 (59.7%) |
| Renter Occupied HU | 186 (16.8%) |
| Vacant Housing Units | 261 (23.6%) |
| Median Home Value | $399,457 |
| Average Home Value | $370,458 |
Housing Distribution
Address Breakdown
Residential
305
Single Family
305
Multi-Family
0
Businesses
48
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
Lot
Built in N/A
5.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95255, West Point, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,108 (100%) |
| Owner Occupied HU | 661 (59.7%) |
| Renter Occupied HU | 186 (16.8%) |
| Vacant Housing Units | 261 (23.6%) |
| Median Home Value | $399,457 |
| Average Home Value | $370,458 |
Housing Distribution
Address Breakdown
Residential
305
Single Family
305
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mimi Vo • Berkshire Hathaway HS Elite
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224029453
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.