10850 Cummings LnMendocinoCA95460
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingRental yield 6.58%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $219,644, and $7,322/yr in principal equity projects total return of $265,497.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 5.5% |
| Monthly Cash Flow | $(559) | $1,500 |
City averages based on Mendocino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,359 |
| Total Monthly Debt Service | $4,602 |
| DSCR Ratio | 0.95x |
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 1979
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95460, Mendocino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,375 (100%) |
| Owner Occupied HU | 735 (53.5%) |
| Renter Occupied HU | 260 (18.9%) |
| Vacant Housing Units | 380 (27.6%) |
| Median Home Value | $664,931 |
| Average Home Value | $796,020 |
Housing Distribution
Address Breakdown
Residential
624
Single Family
624
Multi-Family
0
Businesses
274
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 1979
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95460, Mendocino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,375 (100%) |
| Owner Occupied HU | 735 (53.5%) |
| Renter Occupied HU | 260 (18.9%) |
| Vacant Housing Units | 380 (27.6%) |
| Median Home Value | $664,931 |
| Average Home Value | $796,020 |
Housing Distribution
Address Breakdown
Residential
624
Single Family
624
Multi-Family
0
Businesses
274
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cheryl Walters • Century 21 Seascape Realty
Mls Name: CRMLS
Mls ID: #C1-11073