9390 Lott RdDurhamCA95938
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 9390 Lott Rd, Durham, CA, 95938 in Durham speaks for itself: 11.74% gross on a $249,000 price, generating $2,436/mo in rent and $896/mo in net income after the $1,120/mo debt service. DSCR 2.17, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,748 stacks alongside $68,794 in projected five-year appreciation and $2,293/yr in principal reduction. Projected total cumulative return: $152,061.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $896 | $1,500 |
City averages based on Durham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,436 |
| Total Monthly Debt Service | $1,441 |
| DSCR Ratio | 1.69x |
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 1976
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95938, Durham, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,521 (100%) |
| Owner Occupied HU | 999 (65.7%) |
| Renter Occupied HU | 440 (28.9%) |
| Vacant Housing Units | 82 ( 5.4%) |
| Median Home Value | $676,414 |
| Average Home Value | $726,684 |
Housing Distribution
Address Breakdown
Residential
1,377
Single Family
1,377
Multi-Family
0
Businesses
163
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 1976
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95938, Durham, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,521 (100%) |
| Owner Occupied HU | 999 (65.7%) |
| Renter Occupied HU | 440 (28.9%) |
| Vacant Housing Units | 82 ( 5.4%) |
| Median Home Value | $676,414 |
| Average Home Value | $726,684 |
Housing Distribution
Address Breakdown
Residential
1,377
Single Family
1,377
Multi-Family
0
Businesses
163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lora Trenner • Re/Max Home and Investment
Mls Name: CRMLS
Mls ID: #SN25171341