6281 Lower Main StGeorgetownCA95634
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 6281 Lower Main St, Georgetown, CA, 95634 in Georgetown. Priced at $255,000, it generates $2,636/mo in gross rent and $1,059/mo in net monthly cash flow, a 12.41% yield that comfortably supports the 2.30 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,707. Five-year appreciation: $70,452. Equity from principal paydown: $2,349/yr. Total projected cumulative return: $164,807.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 6.0% |
| Monthly Cash Flow | $1,059 | $250 |
City averages based on Georgetown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,636 |
| Total Monthly Debt Service | $1,476 |
| DSCR Ratio | 1.79x |
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 1955
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95634, Georgetown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,525 (100%) |
| Owner Occupied HU | 960 (63.0%) |
| Renter Occupied HU | 240 (15.7%) |
| Vacant Housing Units | 325 (21.3%) |
| Median Home Value | $554,779 |
| Average Home Value | $586,549 |
Housing Distribution
Address Breakdown
Residential
1,070
Single Family
1,067
Multi-Family
3
Businesses
126
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 1955
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95634, Georgetown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,525 (100%) |
| Owner Occupied HU | 960 (63.0%) |
| Renter Occupied HU | 240 (15.7%) |
| Vacant Housing Units | 325 (21.3%) |
| Median Home Value | $554,779 |
| Average Home Value | $586,549 |
Housing Distribution
Address Breakdown
Residential
1,070
Single Family
1,067
Multi-Family
3
Businesses
126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paula Roggy • Patti Smith Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225059576