14109 Lodgepole DrPenn ValleyCA95946
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 14109 Lodgepole Dr, Penn Valley, CA, 95946 in Penn Valley speaks for itself: 13.37% gross on a $379,000 price, generating $4,222/mo in rent and $1,329/mo in net income after the $1,704/mo debt service. DSCR 2.48, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $15,942 stacks alongside $104,711 in projected five-year appreciation and $3,491/yr in principal reduction. Projected total cumulative return: $231,626.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.4% | 8.0% |
| Monthly Cash Flow | $1,329 | $250 |
City averages based on Penn Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,222 |
| Total Monthly Debt Service | $2,742 |
| DSCR Ratio | 1.54x |
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 1987
0.31 Acres lot
$N/A/sqft
$3,990 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95946, Penn Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,670 (100%) |
| Owner Occupied HU | 3,429 (73.4%) |
| Renter Occupied HU | 659 (14.1%) |
| Vacant Housing Units | 582 (12.5%) |
| Median Home Value | $637,879 |
| Average Home Value | $722,717 |
Housing Distribution
Address Breakdown
Residential
4,313
Single Family
4,313
Multi-Family
0
Businesses
189
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 1987
0.31 Acres lot
$N/A/sqft
$3,990 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95946, Penn Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,670 (100%) |
| Owner Occupied HU | 3,429 (73.4%) |
| Renter Occupied HU | 659 (14.1%) |
| Vacant Housing Units | 582 (12.5%) |
| Median Home Value | $637,879 |
| Average Home Value | $722,717 |
Housing Distribution
Address Breakdown
Residential
4,313
Single Family
4,313
Multi-Family
0
Businesses
189
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices