165 Old Mammoth Rd #132Mammoth LakesCA93546
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 165 Old Mammoth Rd #132, Mammoth Lakes, CA, 93546 in Mammoth Lakes offers a clean, manageable entry. Rental yield 7.9%. DSCR 1.46 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $165,216 in additional property value over five years, with $5,508/yr in principal equity building ownership stake. Total projected cumulative return: $199,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $(476) | $1,500 |
City averages based on Mammoth Lakes market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,935 |
| Total Monthly Debt Service | $4,173 |
| 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.
Condo
Built in N/A
435.60 sqft lot
$N/A/sqft
$651 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93546, Mammoth Lakes, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,126 (100%) |
| Owner Occupied HU | 1,980 (17.8%) |
| Renter Occupied HU | 1,743 (15.7%) |
| Vacant Housing Units | 7,403 (66.5%) |
| Median Home Value | $711,207 |
| Average Home Value | $798,904 |
Housing Distribution
Address Breakdown
Residential
394
Single Family
394
Multi-Family
0
Businesses
451
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
Condo
Built in N/A
435.60 sqft lot
$N/A/sqft
$651 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93546, Mammoth Lakes, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,126 (100%) |
| Owner Occupied HU | 1,980 (17.8%) |
| Renter Occupied HU | 1,743 (15.7%) |
| Vacant Housing Units | 7,403 (66.5%) |
| Median Home Value | $711,207 |
| Average Home Value | $798,904 |
Housing Distribution
Address Breakdown
Residential
394
Single Family
394
Multi-Family
0
Businesses
451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ruth Hensley • Mammoth Realty Group, Inc.
Mls Name: MLBOR
Mls Provider:
Mls ID: #250579
Disclaimer: Based on information from the Mammoth Lakes Board of REALTORS (alternatively, from the Mammoth Lakes Board of REALTORS MLS) as of 2025-08-01 14:17:27 PDT. This information is deemed reliable, but not verified or guaranteed. Buyer is advised to verify accuracy of all information. We do business in accordance with the federal, state, and local fair housing laws.