14920 Mallo Pass DriveManchesterCA95459
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 14920 Mallo Pass Drive, Manchester, CA, 95459 in Manchester at $990,000, 4.3% gross yield, is a market-growth asset. Rental yield 4.3%. The $3,547/mo rent partially funds the $4,452/mo debt service; the core return is the 5%/yr price growth projected to add $273,519 over five years. Ziffy Mortgage's DSCR mortgage (0.80) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $209,542.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 5.2% |
| Monthly Cash Flow | $(2,577) | $1,500 |
City averages based on Manchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,547 |
| Total Monthly Debt Service | $5,730 |
| DSCR Ratio | 0.62x |
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 2022
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95459, Manchester, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 161 (41.2%) |
| Renter Occupied HU | 64 (16.4%) |
| Vacant Housing Units | 166 (42.5%) |
| Median Home Value | $686,728 |
| Average Home Value | $777,065 |
Housing Distribution
Address Breakdown
Residential
109
Single Family
109
Multi-Family
0
Businesses
18
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 2022
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95459, Manchester, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 161 (41.2%) |
| Renter Occupied HU | 64 (16.4%) |
| Vacant Housing Units | 166 (42.5%) |
| Median Home Value | $686,728 |
| Average Home Value | $777,065 |
Housing Distribution
Address Breakdown
Residential
109
Single Family
109
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Casey Dyson • Irish Beach Realty
Mls Name: BAREIS
Mls ID: #324039720