12933 Chaparral RdSonoraCA95370
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play12933 Chaparral Rd, Sonora, CA, 95370 in Sonora is priced for appreciation, not yield. Rental yield 5.62%. At $585,000 with a 5.62% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $161,625 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.04) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $165,387.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 8.0% |
| Monthly Cash Flow | $(877) | $1,500 |
City averages based on Sonora market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,742 |
| Total Monthly Debt Service | $3,386 |
| DSCR Ratio | 0.81x |
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 1963
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95370, Sonora, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,030 (100%) |
| Owner Occupied HU | 8,505 (60.6%) |
| Renter Occupied HU | 3,711 (26.5%) |
| Vacant Housing Units | 1,814 (12.9%) |
| Median Home Value | $481,836 |
| Average Home Value | $581,494 |
Housing Distribution
Address Breakdown
Residential
12,056
Single Family
11,235
Multi-Family
821
Businesses
1,270
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 1963
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95370, Sonora, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,030 (100%) |
| Owner Occupied HU | 8,505 (60.6%) |
| Renter Occupied HU | 3,711 (26.5%) |
| Vacant Housing Units | 1,814 (12.9%) |
| Median Home Value | $481,836 |
| Average Home Value | $581,494 |
Housing Distribution
Address Breakdown
Residential
12,056
Single Family
11,235
Multi-Family
821
Businesses
1,270
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rex De Belen • Nation One Realty & Mortgage I
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225004712
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.