737 Beach RdWhitethornCA95589
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 737 Beach Rd, Whitethorn, CA, 95589 in Whitethorn at $545,000 earns $3,431/mo in rent and nets $59/mo after the $2,451/mo payment, a 7.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $150,573 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $5,020/yr in principal paydown, total projected return reaches $210,500.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.0% |
| Monthly Cash Flow | $59 | $1,500 |
City averages based on Whitethorn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,431 |
| Total Monthly Debt Service | $3,155 |
| DSCR Ratio | 1.09x |
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 2006
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95589, Whitethorn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 417 (47.6%) |
| Renter Occupied HU | 142 (16.2%) |
| Vacant Housing Units | 317 (36.2%) |
| Median Home Value | $582,128 |
| Average Home Value | $595,731 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
57
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 2006
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95589, Whitethorn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 417 (47.6%) |
| Renter Occupied HU | 142 (16.2%) |
| Vacant Housing Units | 317 (36.2%) |
| Median Home Value | $582,128 |
| Average Home Value | $595,731 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Reya Bachmann • TOP Properties
Mls Name: HBMLS
Mls ID: #270288