10820 Water StAmador CityCA95601
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 10820 Water St, Amador City, CA, 95601 in Amador City. Rental yield 4.26%. At $675,000 with 4.26% gross yield, current distributions are modest, but the 5% appreciation rate projects $186,490 in new equity by year five, complemented by $6,217/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.79) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $141,348.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(1,782) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,394 |
| Total Monthly Debt Service | $3,907 |
| DSCR Ratio | 0.61x |
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 1960
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95601, Amador City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 131 (100%) |
| Owner Occupied HU | 80 (61.1%) |
| Renter Occupied HU | 20 (15.3%) |
| Vacant Housing Units | 31 (23.7%) |
| Median Home Value | $814,516 |
| Average Home Value | $908,750 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
22
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 1960
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95601, Amador City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 131 (100%) |
| Owner Occupied HU | 80 (61.1%) |
| Renter Occupied HU | 20 (15.3%) |
| Vacant Housing Units | 31 (23.7%) |
| Median Home Value | $814,516 |
| Average Home Value | $908,750 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Taylor Kwoka • Vista Sotheby's International Realty
Mls Name: MetroList Services of CA
Mls ID: #225151814