Spur Plan, Meadow Brook RanchChicoCA95973
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate Spur Plan, Meadow Brook Ranch, Chico, CA, 95973 in Chico. At $542,640 it earns $3,838/mo in rent and distributes $481/mo to the owner after the $2,440/mo payment, a consistent 8.49% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $149,921 in value; $4,998/yr in principal paydown compounds ownership stake. Total projected return: $236,749.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $481 | $200 |
City averages based on Chico market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,838 |
| Total Monthly Debt Service | $3,141 |
| DSCR Ratio | 1.22x |
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95973, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,775 (100%) |
| Owner Occupied HU | 9,269 (55.3%) |
| Renter Occupied HU | 6,726 (40.1%) |
| Vacant Housing Units | 780 ( 4.6%) |
| Median Home Value | $496,934 |
| Average Home Value | $539,362 |
Housing Distribution
Address Breakdown
Residential
16,726
Single Family
14,083
Multi-Family
2,643
Businesses
1,144
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95973, Chico, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,775 (100%) |
| Owner Occupied HU | 9,269 (55.3%) |
| Renter Occupied HU | 6,726 (40.1%) |
| Vacant Housing Units | 780 ( 4.6%) |
| Median Home Value | $496,934 |
| Average Home Value | $539,362 |
Housing Distribution
Address Breakdown
Residential
16,726
Single Family
14,083
Multi-Family
2,643
Businesses
1,144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices