705 Gray AveYuba CityCA95991
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 705 Gray Ave, Yuba City, CA, 95991 in Yuba City: $3,126/mo in rent, $377/mo in net income, 8.44% gross yield, 1.56 DSCR, all at $444,300. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $122,752 in appreciation and $4,092/yr in principal paydown projects total cumulative return of $192,793.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $377 | $1,500 |
City averages based on Yuba City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,126 |
| Total Monthly Debt Service | $2,572 |
| DSCR Ratio | 1.22x |
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 1950
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95991, Yuba City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,431 (100%) |
| Owner Occupied HU | 7,387 (47.9%) |
| Renter Occupied HU | 7,327 (47.5%) |
| Vacant Housing Units | 717 ( 4.6%) |
| Median Home Value | $394,670 |
| Average Home Value | $425,523 |
Housing Distribution
Address Breakdown
Residential
15,033
Single Family
12,856
Multi-Family
2,177
Businesses
1,434
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 1950
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95991, Yuba City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,431 (100%) |
| Owner Occupied HU | 7,387 (47.9%) |
| Renter Occupied HU | 7,327 (47.5%) |
| Vacant Housing Units | 717 ( 4.6%) |
| Median Home Value | $394,670 |
| Average Home Value | $425,523 |
Housing Distribution
Address Breakdown
Residential
15,033
Single Family
12,856
Multi-Family
2,177
Businesses
1,434
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Antonio Rubio • Better Homes Realty
Mls Name: MetroList Services of CA
Mls ID: #226001240