760 E Spiers StMontagueCA96064
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 760 E Spiers St, Montague, CA, 96064 in Montague at $269,000 earns $1,853/mo in rent and nets $189/mo after the $1,210/mo payment, a 8.27% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $74,320 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $2,478/yr in principal paydown, total projected return reaches $114,145.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.0% |
| Monthly Cash Flow | $189 | $300 |
City averages based on Montague market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,853 |
| Total Monthly Debt Service | $1,557 |
| DSCR Ratio | 1.19x |
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 N/A
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96064, Montague, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,247 (100%) |
| Owner Occupied HU | 1,436 (63.9%) |
| Renter Occupied HU | 424 (18.9%) |
| Vacant Housing Units | 387 (17.2%) |
| Median Home Value | $375,188 |
| Average Home Value | $468,438 |
Housing Distribution
Address Breakdown
Residential
1,556
Single Family
1,520
Multi-Family
36
Businesses
75
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 N/A
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96064, Montague, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,247 (100%) |
| Owner Occupied HU | 1,436 (63.9%) |
| Renter Occupied HU | 424 (18.9%) |
| Vacant Housing Units | 387 (17.2%) |
| Median Home Value | $375,188 |
| Average Home Value | $468,438 |
Housing Distribution
Address Breakdown
Residential
1,556
Single Family
1,520
Multi-Family
36
Businesses
75
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JoAnne Lang • Minton Hometown Properties
Mls Name: SMLS
Mls ID: #20260027