650 3rd StScotiaCA95565
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 650 3rd St, Scotia, CA, 95565 in Scotia: $2,099/mo in rent, $373/mo in net income, 9.03% gross yield, 1.67 DSCR, all at $279,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $77,083 in appreciation and $2,570/yr in principal paydown projects total cumulative return of $129,788.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.0% |
| Monthly Cash Flow | $373 | $1,500 |
City averages based on Scotia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,099 |
| Total Monthly Debt Service | $1,615 |
| DSCR Ratio | 1.30x |
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 1911
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95565, Scotia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 378 (100%) |
| Owner Occupied HU | 146 (38.6%) |
| Renter Occupied HU | 144 (38.1%) |
| Vacant Housing Units | 88 (23.3%) |
| Median Home Value | $405,263 |
| Average Home Value | $453,459 |
Housing Distribution
Address Breakdown
Residential
66
Single Family
66
Multi-Family
0
Businesses
29
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 1911
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95565, Scotia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 378 (100%) |
| Owner Occupied HU | 146 (38.6%) |
| Renter Occupied HU | 144 (38.1%) |
| Vacant Housing Units | 88 (23.3%) |
| Median Home Value | $405,263 |
| Average Home Value | $453,459 |
Housing Distribution
Address Breakdown
Residential
66
Single Family
66
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Brown • Cornerstone Realty
Mls Name: HBMLS
Mls ID: #269516