8500 Simmerly RdLaytonvilleCA95454
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 8500 Simmerly Rd, Laytonville, CA, 95454 in Laytonville worth study. Rental yield 3.97%. The 3.97% gross yield is below cash-flow benchmarks at $599,000, but 5% annual appreciation, adding $165,493 over five years, frames this as a capital growth position. Rent of $1,980/mo partially offsets the $2,693/mo payment. Ziffy Mortgage finances appreciation-play properties (0.74 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $116,140.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.0% |
| Monthly Cash Flow | $(1,726) | $1,200 |
City averages based on Laytonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $3,467 |
| DSCR Ratio | 0.57x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1890
640 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95454, Laytonville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,129 (100%) |
| Owner Occupied HU | 682 (60.4%) |
| Renter Occupied HU | 310 (27.5%) |
| Vacant Housing Units | 137 (12.1%) |
| Median Home Value | $501,754 |
| Average Home Value | $484,098 |
Housing Distribution
Address Breakdown
Residential
117
Single Family
117
Multi-Family
0
Businesses
108
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 1890
640 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95454, Laytonville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,129 (100%) |
| Owner Occupied HU | 682 (60.4%) |
| Renter Occupied HU | 310 (27.5%) |
| Vacant Housing Units | 137 (12.1%) |
| Median Home Value | $501,754 |
| Average Home Value | $484,098 |
Housing Distribution
Address Breakdown
Residential
117
Single Family
117
Multi-Family
0
Businesses
108
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tanya Gilmore • W Real Estate
Mls Name: BAREIS
Mls Provider:
Mls ID: #325023245
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.