700 Lofton RdWheatlandCA95692
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 700 Lofton Rd, Wheatland, CA, 95692 in Wheatland at $389,900 earns $2,533/mo in rent and nets $87/mo after the $1,753/mo payment, a 7.8% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $107,722 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $3,591/yr in principal paydown, total projected return reaches $153,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $87 | $300 |
City averages based on Wheatland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,533 |
| Total Monthly Debt Service | $2,291 |
| DSCR Ratio | 1.11x |
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 1997
6,264 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95692, Wheatland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,960 (100%) |
| Owner Occupied HU | 1,288 (65.7%) |
| Renter Occupied HU | 600 (30.6%) |
| Vacant Housing Units | 72 ( 3.7%) |
| Median Home Value | $453,398 |
| Average Home Value | $522,207 |
Housing Distribution
Address Breakdown
Residential
1,712
Single Family
1,639
Multi-Family
73
Businesses
125
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 1997
6,264 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95692, Wheatland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,960 (100%) |
| Owner Occupied HU | 1,288 (65.7%) |
| Renter Occupied HU | 600 (30.6%) |
| Vacant Housing Units | 72 ( 3.7%) |
| Median Home Value | $453,398 |
| Average Home Value | $522,207 |
Housing Distribution
Address Breakdown
Residential
1,712
Single Family
1,639
Multi-Family
73
Businesses
125
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert Baxley • Realty Point
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225049710
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