18861 Ponderosa Annex Rd, Sutter Creek, CA, 95685 | $82/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Sutter Creek at 18861 Ponderosa Annex Rd, Sutter Creek, CA, 95685 offers $3,158/mo rent that, after a $2,423/mo payment, leaves $82/mo cash flow. Total monthly income is $3,158/mo, and annual cash flow is $989/yr on $164,093 cash. Return on cash invested measures 20.51% in year one, and rental yield stands at 7.66% at a $495,000 entry. Equity gained on principal adds $3,194/yr while 5% annual appreciation compounds into $136,759 by year five. Five-year ROI records 106.12% and total cumulative return in cash reaches $174,130. Lending can use Ziffy Mortgage’s DSCR loan, which structures approval around $3,158/mo property income versus a $2,423/mo payment rather than borrower’s personal income verification through W2s, Salary slips, and Tax returns.

Single Family

Built in 2002

2.13 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 95685, Sutter Creek, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	2,596 (100%)
Owner Occupied HU	1,507 (58.1%)
Renter Occupied HU	758 (29.2%)
Vacant Housing Units	331 (12.8%)
Median Home Value	$553,534
Average Home Value	$645,873