682 5th StScotiaCA95565








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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


Investment Highlights
Investment property for sale in Scotia at 682 5th St, Scotia, CA, 95565 with 5% annual appreciation on a $320,000 basis while $2,136/mo rent supports operations. Total monthly income totals $2,136/mo and a $1,566/mo payment preserves $157/mo for cash returns. Annual cash flow comes to $1,880/yr on $106,080 deployed, and return on cash invested reaches 21.68% in year one. Equity gained on principal adds $2,065/yr, and five-year appreciation sums $88,410 alongside rental yield of 8.01%. Five-year ROI measures 112.34% and total cumulative return in cash totals $119,175.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,136/mo property income versus a $1,566/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 1908
7,840 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
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Listed by: Cathy Endert • Coldwell Banker Cutten Realty
Mls Name: HBMLS
Mls Provider:
Mls ID: #268697
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.








