705 Niemann StWintersCA95694
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 705 Niemann St, Winters, CA, 95694 in Winters deserves attention. This $580,000 property earns $5,011/mo in rent, a 10.37% gross yield, and nets $1,229/mo after the $2,608/mo payment. DSCR 1.92 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $160,243 compounds alongside $5,342/yr in yearly equity build, for a total cumulative return of $299,849.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 5.0% |
| Monthly Cash Flow | $1,229 | $250 |
City averages based on Winters market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,011 |
| Total Monthly Debt Service | $3,552 |
| DSCR Ratio | 1.41x |
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 2022
4,021 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95694, Winters, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,900 (100%) |
| Owner Occupied HU | 2,516 (64.5%) |
| Renter Occupied HU | 1,152 (29.5%) |
| Vacant Housing Units | 232 ( 5.9%) |
| Median Home Value | $637,705 |
| Average Home Value | $771,853 |
Housing Distribution
Address Breakdown
Residential
3,592
Single Family
3,280
Multi-Family
312
Businesses
300
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 2022
4,021 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95694, Winters, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,900 (100%) |
| Owner Occupied HU | 2,516 (64.5%) |
| Renter Occupied HU | 1,152 (29.5%) |
| Vacant Housing Units | 232 ( 5.9%) |
| Median Home Value | $637,705 |
| Average Home Value | $771,853 |
Housing Distribution
Address Breakdown
Residential
3,592
Single Family
3,280
Multi-Family
312
Businesses
300
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices