8680 128 HighwayPhiloCA95466
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 8680 128 Highway, Philo, CA, 95466 in Philo the bet is firmly on appreciation. Rental yield 0%. The 0% gross yield on a $625,000 price is below income-first thresholds, but 5%/yr value growth projects $172,676 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.00) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.0% |
| Monthly Cash Flow | $0 | $300 |
City averages based on Philo market data in our database. Property projections are estimates.
Multi Family
Built in N/A
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95466, Philo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 589 (100%) |
| Owner Occupied HU | 245 (41.6%) |
| Renter Occupied HU | 196 (33.3%) |
| Vacant Housing Units | 148 (25.1%) |
| Median Home Value | $803,571 |
| Average Home Value | $883,969 |
Housing Distribution
Address Breakdown
Residential
69
Single Family
69
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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
Multi Family
Built in N/A
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95466, Philo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 589 (100%) |
| Owner Occupied HU | 245 (41.6%) |
| Renter Occupied HU | 196 (33.3%) |
| Vacant Housing Units | 148 (25.1%) |
| Median Home Value | $803,571 |
| Average Home Value | $883,969 |
Housing Distribution
Address Breakdown
Residential
69
Single Family
69
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BAREIS
Mls ID: #326024074