9616 N State Highway 3Fort JonesCA96032
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 9616 N State Highway 3, Fort Jones, CA, 96032 in Fort Jones fits: $449,000, 4.33% gross yield, and a projected 5% annual appreciation rate adding $124,050 in value within five years. Rental yield 4.33%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.80) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,135/yr in principal paydown and $124,050 in appreciation project a total return of $95,804.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.0% |
| Monthly Cash Flow | $(1,158) | $1,200 |
City averages based on Fort Jones market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,620 |
| Total Monthly Debt Service | $2,599 |
| DSCR Ratio | 0.62x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
7.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96032, Fort Jones, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,277 (100%) |
| Owner Occupied HU | 790 (61.9%) |
| Renter Occupied HU | 310 (24.3%) |
| Vacant Housing Units | 177 (13.9%) |
| Median Home Value | $379,104 |
| Average Home Value | $503,788 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
568
Multi-Family
0
Businesses
115
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
7.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96032, Fort Jones, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,277 (100%) |
| Owner Occupied HU | 790 (61.9%) |
| Renter Occupied HU | 310 (24.3%) |
| Vacant Housing Units | 177 (13.9%) |
| Median Home Value | $379,104 |
| Average Home Value | $503,788 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
568
Multi-Family
0
Businesses
115
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathy Hayden • California Outdoor Properties
Mls Name: SMLS
Mls Provider:
Mls ID: #20250043
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.