10006 Wendell RdMountain RanchCA95246
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 10006 Wendell Rd, Mountain Ranch, CA, 95246 in Mountain Ranch. Rental yield 5.99%. At $499,000 with 5.99% gross yield, current distributions are modest, but the 5% appreciation rate projects $137,865 in new equity by year five, complemented by $4,183/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.05) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $141,531.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.5% |
| Monthly Cash Flow | $(595) | $300 |
City averages based on Mountain Ranch market data in our database. Property projections are estimates.
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 | $2,492 |
| Total Monthly Debt Service | $3,010 |
| DSCR Ratio | 0.83x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2018
10.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95246, Mountain Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 768 (100%) |
| Owner Occupied HU | 444 (57.8%) |
| Renter Occupied HU | 107 (13.9%) |
| Vacant Housing Units | 217 (28.3%) |
| Median Home Value | $481,416 |
| Average Home Value | $520,653 |
Housing Distribution
Address Breakdown
Residential
473
Single Family
473
Multi-Family
0
Businesses
24
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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
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Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226115318
