91 Gilzean RdJunction CityCA96048
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 91 Gilzean Rd, Junction City, CA, 96048 in Junction City is narrow, $170/mo net on $1,113/mo rent after the $630/mo debt service, but the property operates at break-even-plus, not a loss. At $140,000 with a 9.54% yield, the long-run equity case via 5% appreciation ($38,679 over five years) and $1,289/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.77 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $64,368.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $170 | $1,500 |
City averages based on Junction City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,113 |
| Total Monthly Debt Service | $887 |
| DSCR Ratio | 1.25x |
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 1979
4.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96048, Junction City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 330 (100%) |
| Owner Occupied HU | 198 (60.0%) |
| Renter Occupied HU | 74 (22.4%) |
| Vacant Housing Units | 58 (17.6%) |
| Median Home Value | $480,000 |
| Average Home Value | $475,114 |
Housing Distribution
Address Breakdown
Residential
67
Single Family
67
Multi-Family
0
Businesses
33
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 1979
4.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96048, Junction City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 330 (100%) |
| Owner Occupied HU | 198 (60.0%) |
| Renter Occupied HU | 74 (22.4%) |
| Vacant Housing Units | 58 (17.6%) |
| Median Home Value | $480,000 |
| Average Home Value | $475,114 |
Housing Distribution
Address Breakdown
Residential
67
Single Family
67
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Monet Templeton • eXp Realty of Northern California, Inc.
Mls Name: SMLS
Mls Provider:
Mls ID: #25-1457
Disclaimer: Copyright Shasta Association of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.