20245 Tuolumne Rd NTuolumneCA95379
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 20245 Tuolumne Rd N, Tuolumne, CA, 95379 in Tuolumne is a conservative rental investment at $639,900. Rental yield 6.02%. A 1.06 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $176,793; $5,364/yr in principal paydown supplements. Total projected return: $182,339.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(751) | $1,200 |
City averages based on Tuolumne 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 | $3,208 |
| Total Monthly Debt Service | $3,860 |
| DSCR Ratio | 0.83x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2006
1.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95379, Tuolumne, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,869 (100%) |
| Owner Occupied HU | 1,143 (61.2%) |
| Renter Occupied HU | 494 (26.4%) |
| Vacant Housing Units | 232 (12.4%) |
| Median Home Value | $439,063 |
| Average Home Value | $590,857 |
Housing Distribution
Address Breakdown
Residential
1,245
Single Family
1,211
Multi-Family
34
Businesses
97
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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: Betsy Hurst • Century 21/Wildwood Properties
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41106941
