9623 Rachel StLive OakCA95953
INVESTMENT ANALYSIS
Investment Verdict
Solid Income9623 Rachel St, Live Oak, CA, 95953 in Live Oak is a solid income-producing rental, 8.75% gross yield, $2,400/mo rent, $365/mo net cash flow on a $329,000 buy. DSCR 1.62 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $90,897 and $3,030/yr in principal reduction project a total cumulative return of $148,295.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $365 | $1,200 |
City averages based on Live Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $1,904 |
| DSCR Ratio | 1.26x |
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 1993
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95953, Live Oak, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,437 (62.7%) |
| Renter Occupied HU | 1,282 (33.0%) |
| Vacant Housing Units | 166 ( 4.3%) |
| Median Home Value | $401,534 |
| Average Home Value | $450,676 |
Housing Distribution
Address Breakdown
Residential
3,781
Single Family
3,375
Multi-Family
406
Businesses
166
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 1993
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95953, Live Oak, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,437 (62.7%) |
| Renter Occupied HU | 1,282 (33.0%) |
| Vacant Housing Units | 166 ( 4.3%) |
| Median Home Value | $401,534 |
| Average Home Value | $450,676 |
Housing Distribution
Address Breakdown
Residential
3,781
Single Family
3,375
Multi-Family
406
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226023150