10155 Peppermint Cir SPACE 35JamestownCA95327
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 10155 Peppermint Cir SPACE 35, Jamestown, CA, 95327 in Jamestown at $109,950 earns $859/mo in rent and nets $179/mo after the $494/mo payment, a 9.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,377 over five years. Ziffy Mortgage underwrites this on a 1.74 DSCR without U.S. credit history. With $1,013/yr in principal paydown, total projected return reaches $53,217.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $179 | $1,200 |
City averages based on Jamestown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $859 |
| Total Monthly Debt Service | $636 |
| DSCR Ratio | 1.35x |
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.
Manufactured
Built in 1970
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95327, Jamestown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,168 (100%) |
| Owner Occupied HU | 1,941 (61.3%) |
| Renter Occupied HU | 836 (26.4%) |
| Vacant Housing Units | 391 (12.3%) |
| Median Home Value | $477,682 |
| Average Home Value | $592,060 |
Housing Distribution
Address Breakdown
Residential
2,564
Single Family
2,476
Multi-Family
88
Businesses
209
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
Manufactured
Built in 1970
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95327, Jamestown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,168 (100%) |
| Owner Occupied HU | 1,941 (61.3%) |
| Renter Occupied HU | 836 (26.4%) |
| Vacant Housing Units | 391 (12.3%) |
| Median Home Value | $477,682 |
| Average Home Value | $592,060 |
Housing Distribution
Address Breakdown
Residential
2,564
Single Family
2,476
Multi-Family
88
Businesses
209
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sherrie Johnston • Harmony Communities, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225142716