19624 Mella DrVolcanoCA95689
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 19624 Mella Dr, Volcano, CA, 95689 in Volcano. At $410,000 it earns $3,259/mo in rent and distributes $723/mo to the owner after the $1,844/mo payment, a consistent 9.54% yield. DSCR 1.77 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $113,275 in value; $3,776/yr in principal paydown compounds ownership stake. Total projected return: $201,965.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.0% |
| Monthly Cash Flow | $723 | $1,200 |
City averages based on Volcano market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,259 |
| Total Monthly Debt Service | $2,373 |
| DSCR Ratio | 1.37x |
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 1976
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95689, Volcano, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 905 (100%) |
| Owner Occupied HU | 605 (66.9%) |
| Renter Occupied HU | 92 (10.2%) |
| Vacant Housing Units | 208 (23.0%) |
| Median Home Value | $581,358 |
| Average Home Value | $692,905 |
Housing Distribution
Address Breakdown
Residential
631
Single Family
631
Multi-Family
0
Businesses
28
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 1976
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95689, Volcano, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 905 (100%) |
| Owner Occupied HU | 605 (66.9%) |
| Renter Occupied HU | 92 (10.2%) |
| Vacant Housing Units | 208 (23.0%) |
| Median Home Value | $581,358 |
| Average Home Value | $692,905 |
Housing Distribution
Address Breakdown
Residential
631
Single Family
631
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226021150