6795 Stonybrook DrClearlakeCA95422
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 6795 Stonybrook Dr, Clearlake, CA, 95422 in Clearlake is narrow, $189/mo net on $1,735/mo rent after the $1,124/mo debt service, but the property operates at break-even-plus, not a loss. At $249,950 with a 8.33% yield, the long-run equity case via 5% appreciation ($69,057 over five years) and $2,302/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.54 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $106,977.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.0% |
| Monthly Cash Flow | $189 | $1,200 |
City averages based on Clearlake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,735 |
| Total Monthly Debt Service | $1,447 |
| DSCR Ratio | 1.20x |
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 1966
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95422, Clearlake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,385 (100%) |
| Owner Occupied HU | 3,856 (46.0%) |
| Renter Occupied HU | 2,825 (33.7%) |
| Vacant Housing Units | 1,704 (20.3%) |
| Median Home Value | $215,762 |
| Average Home Value | $288,917 |
Housing Distribution
Address Breakdown
Residential
5,743
Single Family
5,365
Multi-Family
378
Businesses
404
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 1966
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95422, Clearlake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,385 (100%) |
| Owner Occupied HU | 3,856 (46.0%) |
| Renter Occupied HU | 2,825 (33.7%) |
| Vacant Housing Units | 1,704 (20.3%) |
| Median Home Value | $215,762 |
| Average Home Value | $288,917 |
Housing Distribution
Address Breakdown
Residential
5,743
Single Family
5,365
Multi-Family
378
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Yvonne Wicks • City Center Realty
Mls Name: CRMLS
Mls ID: #LC25238565