13965 Irishtown RdPine GroveCA95665
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 13965 Irishtown Rd, Pine Grove, CA, 95665 in Pine Grove is narrow, $155/mo net on $1,218/mo rent after the $692/mo debt service, but the property operates at break-even-plus, not a loss. At $154,000 with a 9.49% yield, the long-run equity case via 5% appreciation ($42,547 over five years) and $1,418/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.76 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $68,954.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $155 | $1,500 |
City averages based on Pine Grove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,218 |
| Total Monthly Debt Service | $1,001 |
| DSCR Ratio | 1.22x |
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.
Single Family
Built in 1978
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95665, Pine Grove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,321 (100%) |
| Owner Occupied HU | 1,695 (73.0%) |
| Renter Occupied HU | 349 (15.0%) |
| Vacant Housing Units | 277 (11.9%) |
| Median Home Value | $493,959 |
| Average Home Value | $531,168 |
Housing Distribution
Address Breakdown
Residential
1,815
Single Family
1,815
Multi-Family
0
Businesses
168
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 1978
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95665, Pine Grove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,321 (100%) |
| Owner Occupied HU | 1,695 (73.0%) |
| Renter Occupied HU | 349 (15.0%) |
| Vacant Housing Units | 277 (11.9%) |
| Median Home Value | $493,959 |
| Average Home Value | $531,168 |
Housing Distribution
Address Breakdown
Residential
1,815
Single Family
1,815
Multi-Family
0
Businesses
168
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paul Boudier • Keller Williams Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225030286
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