9176 Upper Lake Lucerne RdUpper LakeCA95485
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 9176 Upper Lake Lucerne Rd, Upper Lake, CA, 95485 in Upper Lake at $599,000 earns $3,789/mo in rent and nets $83/mo after the $2,693/mo payment, a 7.59% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $165,493 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $5,517/yr in principal paydown, total projected return reaches $232,564.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $83 | $500 |
City averages based on Upper Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,789 |
| Total Monthly Debt Service | $3,467 |
| DSCR Ratio | 1.09x |
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 1985
5.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
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 1985
5.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95485, Upper Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,491 (100%) |
| Owner Occupied HU | 885 (59.4%) |
| Renter Occupied HU | 344 (23.1%) |
| Vacant Housing Units | 262 (17.6%) |
| Median Home Value | $473,851 |
| Average Home Value | $533,983 |
Housing Distribution
Address Breakdown
Residential
834
Single Family
834
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #LC26033791