7136 Upper Palermo RdPalermoCA95968
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 7136 Upper Palermo Rd, Palermo, CA, 95968 in Palermo at $259,000 earns $1,736/mo in rent and nets $134/mo after the $1,165/mo payment, a 8.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $71,557 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $2,385/yr in principal paydown, total projected return reaches $106,829.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.0% |
| Monthly Cash Flow | $134 | $1,200 |
City averages based on Palermo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,736 |
| Total Monthly Debt Service | $1,499 |
| DSCR Ratio | 1.16x |
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 1965
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95968, Palermo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 534 (100%) |
| Owner Occupied HU | 335 (62.7%) |
| Renter Occupied HU | 166 (31.1%) |
| Vacant Housing Units | 33 ( 6.2%) |
| Median Home Value | $224,306 |
| Average Home Value | $262,246 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
39
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 1965
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95968, Palermo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 534 (100%) |
| Owner Occupied HU | 335 (62.7%) |
| Renter Occupied HU | 166 (31.1%) |
| Vacant Housing Units | 33 ( 6.2%) |
| Median Home Value | $224,306 |
| Average Home Value | $262,246 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ronda Smith • Bidwell Realty
Mls Name: CRMLS
Mls ID: #OR25185613