Plan 1501 Plan, Harter EstatesYuba CityCA95993
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: Plan 1501 Plan, Harter Estates, Yuba City, CA, 95993 in Yuba City at $462,990 earns $3,011/mo in rent and nets $147/mo after the $2,082/mo payment, a 7.8% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $127,916 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $4,264/yr in principal paydown, total projected return reaches $184,974.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $147 | $1,500 |
City averages based on Yuba City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,011 |
| Total Monthly Debt Service | $2,680 |
| DSCR Ratio | 1.12x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95993, Yuba City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,631 (100%) |
| Owner Occupied HU | 8,697 (68.9%) |
| Renter Occupied HU | 3,568 (28.2%) |
| Vacant Housing Units | 366 ( 2.9%) |
| Median Home Value | $455,045 |
| Average Home Value | $491,374 |
Housing Distribution
Address Breakdown
Residential
12,449
Single Family
11,740
Multi-Family
709
Businesses
676
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95993, Yuba City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,631 (100%) |
| Owner Occupied HU | 8,697 (68.9%) |
| Renter Occupied HU | 3,568 (28.2%) |
| Vacant Housing Units | 366 ( 2.9%) |
| Median Home Value | $455,045 |
| Average Home Value | $491,374 |
Housing Distribution
Address Breakdown
Residential
12,449
Single Family
11,740
Multi-Family
709
Businesses
676
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • D.R. Horton
Mls Name: DR Horton
Mls Provider:
Mls ID: #N/A