737 Rio Oso RdRio OsoCA95674
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 737 Rio Oso Rd, Rio Oso, CA, 95674 in Rio Oso at $849,900, 3.16% gross yield, is a market-growth asset. Rental yield 3.16%. The $2,240/mo rent partially funds the $3,822/mo debt service; the core return is the 5%/yr price growth projected to add $234,812 over five years. Ziffy Mortgage's DSCR mortgage (0.59) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $128,089.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.0% |
| Monthly Cash Flow | $(3,017) | $300 |
City averages based on Rio Oso market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,240 |
| Total Monthly Debt Service | $4,919 |
| DSCR Ratio | 0.46x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1980
4.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95674, Rio Oso, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 336 (100%) |
| Owner Occupied HU | 186 (55.4%) |
| Renter Occupied HU | 117 (34.8%) |
| Vacant Housing Units | 33 ( 9.8%) |
| Median Home Value | $601,695 |
| Average Home Value | $669,422 |
Housing Distribution
Address Breakdown
Residential
305
Single Family
305
Multi-Family
0
Businesses
20
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 1980
4.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95674, Rio Oso, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 336 (100%) |
| Owner Occupied HU | 186 (55.4%) |
| Renter Occupied HU | 117 (34.8%) |
| Vacant Housing Units | 33 ( 9.8%) |
| Median Home Value | $601,695 |
| Average Home Value | $669,422 |
Housing Distribution
Address Breakdown
Residential
305
Single Family
305
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ron Castro • Century 21 Select Real Estate
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225049595
Disclaimer: Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. [Click here for more information](/mls-disclaimers/#16)