10577 Pineseed LnWhitmoreCA96096
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 10577 Pineseed Ln, Whitmore, CA, 96096 in Whitmore is a conservative rental investment at $293,900. Rental yield 7%. A 1.30 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $81,199; $2,707/yr in principal paydown supplements. Total projected return: $104,741.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 8.0% |
| Monthly Cash Flow | $(105) | $200 |
City averages based on Whitmore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,714 |
| Total Monthly Debt Service | $1,701 |
| DSCR Ratio | 1.01x |
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 1986
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96096, Whitmore, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 395 (100%) |
| Owner Occupied HU | 277 (70.1%) |
| Renter Occupied HU | 48 (12.2%) |
| Vacant Housing Units | 70 (17.7%) |
| Median Home Value | $508,013 |
| Average Home Value | $593,493 |
Housing Distribution
Address Breakdown
Residential
171
Single Family
171
Multi-Family
0
Businesses
9
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 1986
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96096, Whitmore, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 395 (100%) |
| Owner Occupied HU | 277 (70.1%) |
| Renter Occupied HU | 48 (12.2%) |
| Vacant Housing Units | 70 (17.7%) |
| Median Home Value | $508,013 |
| Average Home Value | $593,493 |
Housing Distribution
Address Breakdown
Residential
171
Single Family
171
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SMLS
Mls ID: #26-1032