10513 Indian Hill RdNewcastleCA95658
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 10513 Indian Hill Rd, Newcastle, CA, 95658 in Newcastle. Rental yield 2.68%. At $885,000 with 2.68% gross yield, current distributions are modest, but the 5% appreciation rate projects $244,509 in new equity by year five, complemented by $8,151/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.50) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $110,263.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.0% |
| Monthly Cash Flow | $(3,501) | $1,200 |
City averages based on Newcastle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,974 |
| Total Monthly Debt Service | $5,123 |
| DSCR Ratio | 0.39x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1949
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95658, Newcastle, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,739 (100%) |
| Owner Occupied HU | 2,266 (82.7%) |
| Renter Occupied HU | 302 (11.0%) |
| Vacant Housing Units | 171 ( 6.2%) |
| Median Home Value | $894,804 |
| Average Home Value | $900,649 |
Housing Distribution
Address Breakdown
Residential
2,449
Single Family
2,449
Multi-Family
0
Businesses
211
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 1949
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95658, Newcastle, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,739 (100%) |
| Owner Occupied HU | 2,266 (82.7%) |
| Renter Occupied HU | 302 (11.0%) |
| Vacant Housing Units | 171 ( 6.2%) |
| Median Home Value | $894,804 |
| Average Home Value | $900,649 |
Housing Distribution
Address Breakdown
Residential
2,449
Single Family
2,449
Multi-Family
0
Businesses
211
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diane Sharp • Keller Williams Realty
Mls Name: MetroList Services of CA
Mls ID: #225062288