620 Valleybrook DrReddingCA96003
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 620 Valleybrook Dr, Redding, CA, 96003 in Redding is narrow, $171/mo net on $2,534/mo rent after the $1,718/mo debt service, but the property operates at break-even-plus, not a loss. At $382,000 with a 7.96% yield, the long-run equity case via 5% appreciation ($105,540 over five years) and $3,518/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $155,835.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.2% |
| Monthly Cash Flow | $171 | $850 |
City averages based on Redding market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,534 |
| Total Monthly Debt Service | $2,211 |
| DSCR Ratio | 1.15x |
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 2007
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96003, Redding, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,294 (100%) |
| Owner Occupied HU | 11,457 (56.5%) |
| Renter Occupied HU | 7,256 (35.8%) |
| Vacant Housing Units | 1,581 ( 7.8%) |
| Median Home Value | $394,556 |
| Average Home Value | $416,886 |
Housing Distribution
Address Breakdown
Residential
19,353
Single Family
18,298
Multi-Family
1,055
Businesses
957
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 2007
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96003, Redding, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,294 (100%) |
| Owner Occupied HU | 11,457 (56.5%) |
| Renter Occupied HU | 7,256 (35.8%) |
| Vacant Housing Units | 1,581 ( 7.8%) |
| Median Home Value | $394,556 |
| Average Home Value | $416,886 |
Housing Distribution
Address Breakdown
Residential
19,353
Single Family
18,298
Multi-Family
1,055
Businesses
957
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ben T Jennings • eXp Realty of Northern California, Inc.
Mls Name: SMLS
Mls ID: #25-3473