106 Spruce Dr, Kernville, CA, 93238 | $757/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Kernville at 106 Spruce Dr, Kernville, CA, 93238 offers $3,386/mo rent that, after a $2,080/mo payment, leaves $757/mo cash flow. Total monthly income is $3,386/mo, and annual cash flow is $9,084/yr on $140,888 cash. Return on cash invested measures 26.36% in year one, and rental yield stands at 9.56% at a $425,000 entry. Equity gained on principal adds $2,742/yr while 5% annual appreciation compounds into $117,420 by year five. Five-year ROI records 137.45% and total cumulative return in cash reaches $193,649. Lending can use Ziffy Mortgage’s DSCR loan, which structures approval around $3,386/mo property income versus a $2,080/mo payment rather than borrower’s personal income verification through W2s, Salary slips, and Tax returns.

Single Family

Built in 1989

0.57 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 93238, Kernville, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	1,079 (100%)
Owner Occupied HU	547 (50.7%)
Renter Occupied HU	181 (16.8%)
Vacant Housing Units	351 (32.5%)
Median Home Value	$548,759
Average Home Value	$778,135