8107 Montgomery CirReddingCA96001
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 8107 Montgomery Cir, Redding, CA, 96001 in Redding: $7,267/mo in rent, $1,392/mo in net income, 9.29% gross yield, 1.72 DSCR, all at $939,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $259,428 in appreciation and $8,648/yr in principal paydown projects total cumulative return of $445,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.2% |
| Monthly Cash Flow | $1,392 | $850 |
City averages based on Redding market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,267 |
| Total Monthly Debt Service | $5,502 |
| DSCR Ratio | 1.32x |
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 1990
4.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96001, Redding, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,105 (100%) |
| Owner Occupied HU | 8,550 (56.6%) |
| Renter Occupied HU | 5,530 (36.6%) |
| Vacant Housing Units | 1,025 ( 6.8%) |
| Median Home Value | $413,774 |
| Average Home Value | $471,891 |
Housing Distribution
Address Breakdown
Residential
14,656
Single Family
13,803
Multi-Family
853
Businesses
1,624
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 1990
4.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96001, Redding, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,105 (100%) |
| Owner Occupied HU | 8,550 (56.6%) |
| Renter Occupied HU | 5,530 (36.6%) |
| Vacant Housing Units | 1,025 ( 6.8%) |
| Median Home Value | $413,774 |
| Average Home Value | $471,891 |
Housing Distribution
Address Breakdown
Residential
14,656
Single Family
13,803
Multi-Family
853
Businesses
1,624
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices