0 E 1/2 Of Ne 1/4 Sec 32 #T4N-R16ETwain HarteCA95383
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 0 E 1/2 Of Ne 1/4 Sec 32 #T4N-R16E, Twain Harte, CA, 95383 in Twain Harte. Priced at $140,000, it generates $1,914/mo in gross rent and $1,048/mo in net monthly cash flow, a 16.41% yield that comfortably supports the 3.04 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,575. Five-year appreciation: $38,679. Equity from principal paydown: $1,289/yr. Total projected cumulative return: $120,528.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.4% | 6.5% |
| Monthly Cash Flow | $1,048 | $1,200 |
City averages based on Twain Harte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,914 |
| Total Monthly Debt Service | $810 |
| DSCR Ratio | 2.36x |
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 1925
2.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95383, Twain Harte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,734 (100%) |
| Owner Occupied HU | 1,536 (41.1%) |
| Renter Occupied HU | 424 (11.4%) |
| Vacant Housing Units | 1,774 (47.5%) |
| Median Home Value | $528,571 |
| Average Home Value | $541,423 |
Housing Distribution
Address Breakdown
Residential
1,498
Single Family
1,498
Multi-Family
0
Businesses
121
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 1925
2.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95383, Twain Harte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,734 (100%) |
| Owner Occupied HU | 1,536 (41.1%) |
| Renter Occupied HU | 424 (11.4%) |
| Vacant Housing Units | 1,774 (47.5%) |
| Median Home Value | $528,571 |
| Average Home Value | $541,423 |
Housing Distribution
Address Breakdown
Residential
1,498
Single Family
1,498
Multi-Family
0
Businesses
121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices