98 Harms LnWillitsCA95490
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 98 Harms Ln, Willits, CA, 95490 in Willits. Rental yield 5.53%. At $370,000 with 5.53% gross yield, current distributions are modest, but the 5% appreciation rate projects $102,224 in new equity by year five, complemented by $3,408/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.02) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $102,682.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.5% |
| Monthly Cash Flow | $(585) | $300 |
City averages based on Willits market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,704 |
| Total Monthly Debt Service | $2,142 |
| DSCR Ratio | 0.80x |
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 1947
5,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95490, Willits, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,299 (100%) |
| Owner Occupied HU | 3,598 (57.1%) |
| Renter Occupied HU | 1,999 (31.7%) |
| Vacant Housing Units | 702 (11.1%) |
| Median Home Value | $441,899 |
| Average Home Value | $534,340 |
Housing Distribution
Address Breakdown
Residential
5,458
Single Family
5,178
Multi-Family
280
Businesses
526
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 1947
5,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95490, Willits, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,299 (100%) |
| Owner Occupied HU | 3,598 (57.1%) |
| Renter Occupied HU | 1,999 (31.7%) |
| Vacant Housing Units | 702 (11.1%) |
| Median Home Value | $441,899 |
| Average Home Value | $534,340 |
Housing Distribution
Address Breakdown
Residential
5,458
Single Family
5,178
Multi-Family
280
Businesses
526
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karena Jolley • RE/MAX Gold - Selzer and Assoc
Mls Name: BAREIS
Mls Provider:
Mls ID: #325004047
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.