20260 Bertone DrFiddletownCA95629
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 20260 Bertone Dr, Fiddletown, CA, 95629 in Fiddletown earns a 9.92% gross yield at $549,999. Rent of $4,546/mo nets $969/mo after the $2,473/mo mortgage. The 1.84 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $151,955 and $5,066/yr in equity accumulation project a total cumulative return of $271,661.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.0% |
| Monthly Cash Flow | $969 | $1,200 |
City averages based on Fiddletown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,546 |
| Total Monthly Debt Service | $3,358 |
| DSCR Ratio | 1.35x |
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 1986
10.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95629, Fiddletown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 626 (100%) |
| Owner Occupied HU | 429 (68.5%) |
| Renter Occupied HU | 77 (12.3%) |
| Vacant Housing Units | 120 (19.2%) |
| Median Home Value | $633,772 |
| Average Home Value | $690,851 |
Housing Distribution
Address Breakdown
Residential
327
Single Family
327
Multi-Family
0
Businesses
18
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 1986
10.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95629, Fiddletown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 626 (100%) |
| Owner Occupied HU | 429 (68.5%) |
| Renter Occupied HU | 77 (12.3%) |
| Vacant Housing Units | 120 (19.2%) |
| Median Home Value | $633,772 |
| Average Home Value | $690,851 |
Housing Distribution
Address Breakdown
Residential
327
Single Family
327
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices