780 Main StPortolaCA96122
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 780 Main St, Portola, CA, 96122 in Portola is narrow, $140/mo net on $1,594/mo rent after the $1,057/mo debt service, but the property operates at break-even-plus, not a loss. At $235,000 with a 8.14% yield, the long-run equity case via 5% appreciation ($64,926 over five years) and $2,164/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $98,144.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $140 | $1,300 |
City averages based on Portola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,594 |
| Total Monthly Debt Service | $1,360 |
| DSCR Ratio | 1.17x |
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.
Manufactured
Built in 1999
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96122, Portola, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,597 (100%) |
| Owner Occupied HU | 1,289 (49.6%) |
| Renter Occupied HU | 590 (22.7%) |
| Vacant Housing Units | 718 (27.6%) |
| Median Home Value | $376,944 |
| Average Home Value | $444,777 |
Housing Distribution
Address Breakdown
Residential
1,462
Single Family
1,370
Multi-Family
92
Businesses
186
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
Manufactured
Built in 1999
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96122, Portola, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,597 (100%) |
| Owner Occupied HU | 1,289 (49.6%) |
| Renter Occupied HU | 590 (22.7%) |
| Vacant Housing Units | 718 (27.6%) |
| Median Home Value | $376,944 |
| Average Home Value | $444,777 |
Housing Distribution
Address Breakdown
Residential
1,462
Single Family
1,370
Multi-Family
92
Businesses
186
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donna Lindquist • REAL BROKER
Mls Name: Plumas AOR
Mls ID: #20250824