119 Pine DrKernvilleCA93238
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 119 Pine Dr, Kernville, CA, 93238 in Kernville at $475,000, 5.92% gross yield, is a market-growth asset. Rental yield 5.92%. The $2,343/mo rent partially funds the $2,136/mo debt service; the core return is the 5%/yr price growth projected to add $131,234 over five years. Ziffy Mortgage's DSCR mortgage (1.10) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $141,818.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.0% |
| Monthly Cash Flow | $(595) | $250 |
City averages based on Kernville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,343 |
| Total Monthly Debt Service | $2,749 |
| DSCR Ratio | 0.85x |
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 1970
0.26 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 |
Housing Distribution
Address Breakdown
Residential
153
Single Family
153
Multi-Family
0
Businesses
103
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 1970
0.26 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 |
Housing Distribution
Address Breakdown
Residential
153
Single Family
153
Multi-Family
0
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: A.J. Liberio • Liberio, James
Mls Name: CRMLS
Mls ID: #PW25167015