866 Tehama AveOrovilleCA95965
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 866 Tehama Ave, Oroville, CA, 95965 in Oroville at $185,000 earns $1,246/mo in rent and nets $101/mo after the $832/mo payment, a 8.08% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $51,112 over five years. Ziffy Mortgage underwrites this on a 1.50 DSCR without U.S. credit history. With $1,704/yr in principal paydown, total projected return reaches $76,733.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $101 | $1,200 |
City averages based on Oroville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,246 |
| Total Monthly Debt Service | $1,071 |
| DSCR Ratio | 1.16x |
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 2006
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95965, Oroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,264 (100%) |
| Owner Occupied HU | 4,132 (50.0%) |
| Renter Occupied HU | 3,338 (40.4%) |
| Vacant Housing Units | 794 ( 9.6%) |
| Median Home Value | $355,605 |
| Average Home Value | $437,386 |
Housing Distribution
Address Breakdown
Residential
7,839
Single Family
7,002
Multi-Family
837
Businesses
751
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 2006
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95965, Oroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,264 (100%) |
| Owner Occupied HU | 4,132 (50.0%) |
| Renter Occupied HU | 3,338 (40.4%) |
| Vacant Housing Units | 794 ( 9.6%) |
| Median Home Value | $355,605 |
| Average Home Value | $437,386 |
Housing Distribution
Address Breakdown
Residential
7,839
Single Family
7,002
Multi-Family
837
Businesses
751
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices