12349 Pepperwood CirAuburnCA95603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 12349 Pepperwood Cir, Auburn, CA, 95603 in Auburn at $105,000 earns $791/mo in rent and nets $141/mo after the $472/mo payment, a 9.04% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $29,010 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $967/yr in principal paydown, total projected return reaches $48,963.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.2% |
| Monthly Cash Flow | $141 | $300 |
City averages based on Auburn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $791 |
| Total Monthly Debt Service | $608 |
| DSCR Ratio | 1.30x |
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.
Manufactured
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95603, Auburn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,477 (100%) |
| Owner Occupied HU | 7,791 (62.4%) |
| Renter Occupied HU | 3,992 (32.0%) |
| Vacant Housing Units | 694 ( 5.6%) |
| Median Home Value | $704,391 |
| Average Home Value | $731,133 |
Housing Distribution
Address Breakdown
Residential
12,000
Single Family
10,650
Multi-Family
1,350
Businesses
1,570
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
Manufactured
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95603, Auburn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,477 (100%) |
| Owner Occupied HU | 7,791 (62.4%) |
| Renter Occupied HU | 3,992 (32.0%) |
| Vacant Housing Units | 694 ( 5.6%) |
| Median Home Value | $704,391 |
| Average Home Value | $731,133 |
Housing Distribution
Address Breakdown
Residential
12,000
Single Family
10,650
Multi-Family
1,350
Businesses
1,570
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Tena • J. Ellen Realty
Mls Name: MetroList Services of CA
Mls ID: #226010384