14293 Lodgepole DrPenn ValleyCA95946
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 14293 Lodgepole Dr, Penn Valley, CA, 95946 in Penn Valley offers a clean, manageable entry. Rental yield 7.64%. DSCR 1.42 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $143,639 in additional property value over five years, with $4,788/yr in principal equity building ownership stake. Total projected cumulative return: $172,522.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.0% |
| Monthly Cash Flow | $(418) | $250 |
City averages based on Penn Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,310 |
| Total Monthly Debt Service | $3,521 |
| DSCR Ratio | 0.94x |
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 1979
0.32 Acres lot
$N/A/sqft
$3,405 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 1979
0.32 Acres lot
$N/A/sqft
$3,405 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
Listed by: Patti Nelson • Windermere Signature Fair Oaks
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224118084
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.