6613 Collier AveUpper LakeCA95485
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 6613 Collier Ave, Upper Lake, CA, 95485 in Upper Lake. Priced at $119,900, it generates $1,936/mo in gross rent and $1,182/mo in net monthly cash flow, a 19.37% yield that comfortably supports the 3.59 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $14,185. Five-year appreciation: $33,126. Equity from principal paydown: $1,104/yr. Total projected cumulative return: $121,656.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.4% | 6.0% |
| Monthly Cash Flow | $1,182 | $500 |
City averages based on Upper Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,936 |
| Total Monthly Debt Service | $706 |
| DSCR Ratio | 2.74x |
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.
Manufactured
Built in 1976
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
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
Manufactured
Built in 1976
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices