7570 Walsh LnSmartsvilleCA95977
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 7570 Walsh Ln, Smartsville, CA, 95977 in Smartsville is narrow, $102/mo net on $2,422/mo rent after the $1,686/mo debt service, but the property operates at break-even-plus, not a loss. At $375,000 with a 7.75% yield, the long-run equity case via 5% appreciation ($103,606 over five years) and $3,454/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $148,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $102 | $1,500 |
City averages based on Smartsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,422 |
| Total Monthly Debt Service | $2,171 |
| DSCR Ratio | 1.12x |
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 2016
6.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
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 2016
6.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew Cavanaugh • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225025108
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