8919 Cram Gulch RdYrekaCA96097
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 8919 Cram Gulch Rd, Yreka, CA, 96097 in Yreka. Priced at $375,000, it generates $3,937/mo in gross rent and $1,617/mo in net monthly cash flow, a 12.6% yield that comfortably supports the 2.34 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,409. Five-year appreciation: $103,606. Equity from principal paydown: $3,454/yr. Total projected cumulative return: $246,284.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 6.0% |
| Monthly Cash Flow | $1,617 | $200 |
City averages based on Yreka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,937 |
| Total Monthly Debt Service | $2,171 |
| DSCR Ratio | 1.81x |
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 N/A
46.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96097, Yreka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,798 (100%) |
| Owner Occupied HU | 2,522 (52.6%) |
| Renter Occupied HU | 1,777 (37.0%) |
| Vacant Housing Units | 499 (10.4%) |
| Median Home Value | $340,155 |
| Average Home Value | $390,544 |
Housing Distribution
Address Breakdown
Residential
4,580
Single Family
4,028
Multi-Family
552
Businesses
710
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 N/A
46.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96097, Yreka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,798 (100%) |
| Owner Occupied HU | 2,522 (52.6%) |
| Renter Occupied HU | 1,777 (37.0%) |
| Vacant Housing Units | 499 (10.4%) |
| Median Home Value | $340,155 |
| Average Home Value | $390,544 |
Housing Distribution
Address Breakdown
Residential
4,580
Single Family
4,028
Multi-Family
552
Businesses
710
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices