11070 Hutto RdSmartsvilleCA95977
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 11070 Hutto Rd, Smartsville, CA, 95977 in Smartsville. Priced at $105,000, it generates $2,166/mo in gross rent and $1,501/mo in net monthly cash flow, a 24.75% yield that comfortably supports the 4.59 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,011. Five-year appreciation: $29,010. Equity from principal paydown: $967/yr. Total projected cumulative return: $136,479.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 24.8% | 6.2% |
| Monthly Cash Flow | $1,501 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,166 |
| Total Monthly Debt Service | $623 |
| DSCR Ratio | 3.47x |
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.
Lot
Built in N/A
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
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
Lot
Built in N/A
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Antonio Rubio • Better Homes Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224052893
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.