666 Hidden Creek RdArcataCA95521
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow666 Hidden Creek Rd, Arcata, CA, 95521 in Arcata is a top-tier cash-flow asset. At $370,000 it produces $3,982/mo in rent and $1,693/mo in net monthly income, a 12.91% gross rental yield. The DSCR of 2.39 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $20,313. Five-year appreciation adds $102,224, driving a total cumulative return of $249,274.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 6.5% |
| Monthly Cash Flow | $1,693 | $1,500 |
City averages based on Arcata market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,982 |
| Total Monthly Debt Service | $2,142 |
| DSCR Ratio | 1.86x |
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.
Townhouse
Built in 1985
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95521, Arcata, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,198 (100%) |
| Owner Occupied HU | 3,463 (34.0%) |
| Renter Occupied HU | 5,885 (57.7%) |
| Vacant Housing Units | 850 ( 8.3%) |
| Median Home Value | $521,271 |
| Average Home Value | $533,584 |
Housing Distribution
Address Breakdown
Residential
9,236
Single Family
7,941
Multi-Family
1,295
Businesses
871
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
Townhouse
Built in 1985
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95521, Arcata, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,198 (100%) |
| Owner Occupied HU | 3,463 (34.0%) |
| Renter Occupied HU | 5,885 (57.7%) |
| Vacant Housing Units | 850 ( 8.3%) |
| Median Home Value | $521,271 |
| Average Home Value | $533,584 |
Housing Distribution
Address Breakdown
Residential
9,236
Single Family
7,941
Multi-Family
1,295
Businesses
871
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices