10324 Pinewood WayMiddletownCA95461
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 10324 Pinewood Way, Middletown, CA, 95461 in Middletown. At $194,900 it earns $1,536/mo in rent and distributes $330/mo to the owner after the $876/mo payment, a consistent 9.46% yield. DSCR 1.75 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $53,847 in value; $1,795/yr in principal paydown compounds ownership stake. Total projected return: $95,224.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $330 | $850 |
City averages based on Middletown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,536 |
| Total Monthly Debt Service | $1,128 |
| DSCR Ratio | 1.36x |
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 1965
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95461, Middletown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,777 (100%) |
| Owner Occupied HU | 1,016 (57.2%) |
| Renter Occupied HU | 380 (21.4%) |
| Vacant Housing Units | 381 (21.4%) |
| Median Home Value | $471,008 |
| Average Home Value | $626,449 |
Housing Distribution
Address Breakdown
Residential
813
Single Family
776
Multi-Family
37
Businesses
214
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 1965
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95461, Middletown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,777 (100%) |
| Owner Occupied HU | 1,016 (57.2%) |
| Renter Occupied HU | 380 (21.4%) |
| Vacant Housing Units | 381 (21.4%) |
| Median Home Value | $471,008 |
| Average Home Value | $626,449 |
Housing Distribution
Address Breakdown
Residential
813
Single Family
776
Multi-Family
37
Businesses
214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Naveet Lidder • ERA Carlile Realty Group
Mls Name: MetroList Services of CA
Mls ID: #325087159