8900 Surprise Valley RdComptcheCA95427
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 8900 Surprise Valley Rd, Comptche, CA, 95427 in Comptche fits: $799,000, 3.29% gross yield, and a projected 5% annual appreciation rate adding $220,749 in value within five years. Rental yield 3.29%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.61) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,359/yr in principal paydown and $220,749 in appreciation project a total return of $123,879.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.0% |
| Monthly Cash Flow | $(2,785) | $1,200 |
City averages based on Comptche market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,191 |
| Total Monthly Debt Service | $4,658 |
| DSCR Ratio | 0.47x |
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.
Multi Family
Built in 1986
20.30 Acres lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95427, Comptche, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 224 (100%) |
| Owner Occupied HU | 124 (55.4%) |
| Renter Occupied HU | 63 (28.1%) |
| Vacant Housing Units | 37 (16.5%) |
| Median Home Value | $834,746 |
| Average Home Value | $930,141 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
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
Multi Family
Built in 1986
20.30 Acres lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95427, Comptche, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 224 (100%) |
| Owner Occupied HU | 124 (55.4%) |
| Renter Occupied HU | 63 (28.1%) |
| Vacant Housing Units | 37 (16.5%) |
| Median Home Value | $834,746 |
| Average Home Value | $930,141 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices