20205 Tumbling Mcd RoadPhiloCA95466
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Philo at 20205 Tumbling Mcd Road, Philo, CA, 95466 projects strong ROI of -0.88%. Rental yield 0.78%. With 5% annual appreciation, the property builds $1,519,549 in value over five years. Equity growth combined delivers a projected five-year ROI of 8.03%, translating into $124,784 in total cumulative return on $1,553,750 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.8% | 6.0% |
| Monthly Cash Flow | $(30,468) | $300 |
City averages based on Philo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,556 |
| Total Monthly Debt Service | $31,836 |
| DSCR Ratio | 0.11x |
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.
Multi Family
Built in N/A
301.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95466, Philo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 589 (100%) |
| Owner Occupied HU | 245 (41.6%) |
| Renter Occupied HU | 196 (33.3%) |
| Vacant Housing Units | 148 (25.1%) |
| Median Home Value | $803,571 |
| Average Home Value | $883,969 |
Housing Distribution
Address Breakdown
Residential
69
Single Family
69
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
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
Multi Family
Built in N/A
301.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95466, Philo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 589 (100%) |
| Owner Occupied HU | 245 (41.6%) |
| Renter Occupied HU | 196 (33.3%) |
| Vacant Housing Units | 148 (25.1%) |
| Median Home Value | $803,571 |
| Average Home Value | $883,969 |
Housing Distribution
Address Breakdown
Residential
69
Single Family
69
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
Listed by: Kevin P McDonald • Sotheby's International Realty
Mls Name: BAREIS
Mls ID: #325080743