20 Michelle CirBig PineCA93513
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 20 Michelle Cir, Big Pine, CA, 93513 in Big Pine. At $439,900 it earns $3,650/mo in rent and distributes $929/mo to the owner after the $1,978/mo payment, a consistent 9.96% yield. DSCR 1.85 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $121,536 in value; $4,052/yr in principal paydown compounds ownership stake. Total projected return: $226,568.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.0% |
| Monthly Cash Flow | $929 | $1,200 |
City averages based on Big Pine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,650 |
| Total Monthly Debt Service | $2,546 |
| DSCR Ratio | 1.43x |
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 1989
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93513, Big Pine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 890 (100%) |
| Owner Occupied HU | 598 (67.2%) |
| Renter Occupied HU | 175 (19.7%) |
| Vacant Housing Units | 117 (13.1%) |
| Median Home Value | $416,860 |
| Average Home Value | $414,716 |
Housing Distribution
Address Breakdown
Residential
432
Single Family
432
Multi-Family
0
Businesses
50
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 1989
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93513, Big Pine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 890 (100%) |
| Owner Occupied HU | 598 (67.2%) |
| Renter Occupied HU | 175 (19.7%) |
| Vacant Housing Units | 117 (13.1%) |
| Median Home Value | $416,860 |
| Average Home Value | $414,716 |
Housing Distribution
Address Breakdown
Residential
432
Single Family
432
Multi-Family
0
Businesses
50
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Randi Pritchard • Eastern Sierra Realty
Mls Name: MLBOR
Mls Provider:
Mls ID: #250098
Disclaimer: Based on information from the Mammoth Lakes Board of REALTORS (alternatively, from the Mammoth Lakes Board of REALTORS MLS) as of 2025-02-26 23:51:40 PST. 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.