Sugar Creek RdCallahanCA96014
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. Rental yield 4.85%. Sugar Creek Rd, Callahan, CA, 96014 in Callahan at $425,000, 4.85% gross yield, is a market-growth asset. The $1,717/mo rent partially funds the $1,911/mo debt service; the core return is the 5%/yr price growth projected to add $117,420 over five years. Ziffy Mortgage's DSCR mortgage (0.90) 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: $102,503.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 10.2% |
| Monthly Cash Flow | $(912) | $1,500 |
City averages based on Callahan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,717 |
| Total Monthly Debt Service | $2,460 |
| DSCR Ratio | 0.70x |
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
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96014, Callahan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 130 (100%) |
| Owner Occupied HU | 64 (49.2%) |
| Renter Occupied HU | 22 (16.9%) |
| Vacant Housing Units | 44 (33.8%) |
| Median Home Value | $391,667 |
| Average Home Value | $493,359 |
Housing Distribution
Address Breakdown
Residential
70
Single Family
70
Multi-Family
0
Businesses
7
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
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96014, Callahan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 130 (100%) |
| Owner Occupied HU | 64 (49.2%) |
| Renter Occupied HU | 22 (16.9%) |
| Vacant Housing Units | 44 (33.8%) |
| Median Home Value | $391,667 |
| Average Home Value | $493,359 |
Housing Distribution
Address Breakdown
Residential
70
Single Family
70
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices