20 Gull StMammoth LakesCA93546
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 20 Gull St, Mammoth Lakes, CA, 93546 in Mammoth Lakes is listed at $899,000 and delivers $6,326/mo in rent and $765/mo in net monthly cash flow. The 8.44% yield and 1.48 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $248,377 over five years, and $7,536/yr in principal reduction supplements cash return. Total projected cumulative return: $373,151.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $765 | $1,500 |
City averages based on Mammoth Lakes market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $6,326 |
| Total Monthly Debt Service | $5,423 |
| DSCR Ratio | 1.17x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1969
0.26 Acres lot
$N/A/sqft
No 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
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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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Listed by: Stephanie Cook • Mammoth Realty Group, Inc.
Mls Name: MLBOR
Mls Provider:
Mls ID: #260511
Disclaimer: Based on information from the Mammoth Lakes Board of REALTORS (alternatively, from the Mammoth Lakes Board of REALTORS MLS) as of 2026-07-29 18:18:46 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.
