645 Main StChesterCA96020
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play645 Main St, Chester, CA, 96020 in Chester is priced for appreciation, not yield. Rental yield 2.38%. At $755,000 with a 2.38% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $208,593 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.44) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $82,238.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 6.0% |
| Monthly Cash Flow | $(3,171) | $200 |
City averages based on Chester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $4,370 |
| DSCR Ratio | 0.34x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2009
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96020, Chester, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,952 (100%) |
| Owner Occupied HU | 781 (40.0%) |
| Renter Occupied HU | 361 (18.5%) |
| Vacant Housing Units | 810 (41.5%) |
| Median Home Value | $352,609 |
| Average Home Value | $400,051 |
Housing Distribution
Address Breakdown
Residential
425
Single Family
372
Multi-Family
53
Businesses
57
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 2009
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96020, Chester, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,952 (100%) |
| Owner Occupied HU | 781 (40.0%) |
| Renter Occupied HU | 361 (18.5%) |
| Vacant Housing Units | 810 (41.5%) |
| Median Home Value | $352,609 |
| Average Home Value | $400,051 |
Housing Distribution
Address Breakdown
Residential
425
Single Family
372
Multi-Family
53
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: NORM HARRISON • COLDWELL BANKER KEHR/O'BRIEN (C)
Mls Name: Plumas AOR
Mls ID: #2600029