10354 Mulberry StLoch LomondCA95461
INVESTMENT ANALYSIS
Investment Verdict
Solid Income10354 Mulberry St, Loch Lomond, CA, 95461 in Loch Lomond is a solid income-producing rental, 9.4% gross yield, $1,293/mo rent, $272/mo net cash flow on a $165,000 buy. DSCR 1.74 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $45,586 and $1,520/yr in principal reduction project a total cumulative return of $80,090.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.0% |
| Monthly Cash Flow | $272 | $300 |
City averages based on Loch Lomond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,293 |
| Total Monthly Debt Service | $955 |
| 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.
Single Family
Built in 1955
4,792 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 1955
4,792 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: Jessica Elliott • Timothy Toye and Associates
Mls Name: CRMLS
Mls ID: #LC25128942