118 W Clarissa LnMountain HouseCA95391
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.33% yield at 118 W Clarissa Ln, Mountain House, CA, 95391 in Mountain House is solid, but the $2,469/mo payment compresses net cash flow to $26/mo at $549,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $151,679 by year five, and $5,056/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.73) without U.S. income documentation. Total projected return: $213,469.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $26 | $300 |
City averages based on Mountain House market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,267 |
| Total Monthly Debt Service | $4,023 |
| DSCR Ratio | 1.06x |
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.
Condo
Built in 2006
100.19 sqft lot
$N/A/sqft
$506 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95391, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,774 (100%) |
| Owner Occupied HU | 6,304 (71.8%) |
| Renter Occupied HU | 1,832 (20.9%) |
| Vacant Housing Units | 638 ( 7.3%) |
| Median Home Value | $849,163 |
| Average Home Value | $881,315 |
Housing Distribution
Address Breakdown
Residential
8,067
Single Family
8,067
Multi-Family
0
Businesses
52
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
Condo
Built in 2006
100.19 sqft lot
$N/A/sqft
$506 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95391, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,774 (100%) |
| Owner Occupied HU | 6,304 (71.8%) |
| Renter Occupied HU | 1,832 (20.9%) |
| Vacant Housing Units | 638 ( 7.3%) |
| Median Home Value | $849,163 |
| Average Home Value | $881,315 |
Housing Distribution
Address Breakdown
Residential
8,067
Single Family
8,067
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices