841 11th StFortunaCA95540
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 841 11th St, Fortuna, CA, 95540 in Fortuna at $587,000 earns $3,715/mo in rent and nets $1/mo after the $2,640/mo payment, a 7.59% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $162,177 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $5,406/yr in principal paydown, total projected return reaches $223,019.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $1 | $1,200 |
City averages based on Fortuna market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,715 |
| Total Monthly Debt Service | $3,480 |
| DSCR Ratio | 1.07x |
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 1904
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95540, Fortuna, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,078 (100%) |
| Owner Occupied HU | 3,434 (56.5%) |
| Renter Occupied HU | 2,213 (36.4%) |
| Vacant Housing Units | 431 ( 7.1%) |
| Median Home Value | $520,413 |
| Average Home Value | $569,401 |
Housing Distribution
Address Breakdown
Residential
5,894
Single Family
5,758
Multi-Family
136
Businesses
595
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 1904
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95540, Fortuna, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,078 (100%) |
| Owner Occupied HU | 3,434 (56.5%) |
| Renter Occupied HU | 2,213 (36.4%) |
| Vacant Housing Units | 431 ( 7.1%) |
| Median Home Value | $520,413 |
| Average Home Value | $569,401 |
Housing Distribution
Address Breakdown
Residential
5,894
Single Family
5,758
Multi-Family
136
Businesses
595
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices