9945 N State Highway 3Fort JonesCA96032
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 9945 N State Highway 3, Fort Jones, CA, 96032 in Fort Jones at $565,000, 5.64% gross yield, is a market-growth asset. Rental yield 5.64%. The $2,654/mo rent partially funds the $2,541/mo debt service; the core return is the 5%/yr price growth projected to add $156,099 over five years. Ziffy Mortgage's DSCR mortgage (1.04) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $160,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(841) | $1,200 |
City averages based on Fort Jones market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,654 |
| Total Monthly Debt Service | $3,270 |
| DSCR Ratio | 0.81x |
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
10.87 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
10.87 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 ID: #20251262