955 Spring RdWhitethornCA95589
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 955 Spring Rd, Whitethorn, CA, 95589 in Whitethorn. At $427,000 it earns $3,012/mo in rent and distributes $371/mo to the owner after the $1,920/mo payment, a consistent 8.46% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $117,972 in value; $3,933/yr in principal paydown compounds ownership stake. Total projected return: $185,768.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.0% |
| Monthly Cash Flow | $371 | $1,500 |
City averages based on Whitethorn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,012 |
| Total Monthly Debt Service | $2,472 |
| DSCR Ratio | 1.22x |
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 1994
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95589, Whitethorn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 417 (47.6%) |
| Renter Occupied HU | 142 (16.2%) |
| Vacant Housing Units | 317 (36.2%) |
| Median Home Value | $582,128 |
| Average Home Value | $595,731 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
57
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 1994
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95589, Whitethorn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 417 (47.6%) |
| Renter Occupied HU | 142 (16.2%) |
| Vacant Housing Units | 317 (36.2%) |
| Median Home Value | $582,128 |
| Average Home Value | $595,731 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristina Deloury • TOP Properties
Mls Name: HBMLS
Mls Provider:
Mls ID: #267587
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.