20386 Pine Mountain DrGrovelandCA95321
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 20386 Pine Mountain Dr, Groveland, CA, 95321 in Groveland. At $309,000 it earns $2,486/mo in rent and distributes $575/mo to the owner after the $1,389/mo payment, a consistent 9.66% yield. DSCR 1.79 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $85,371 in value; $2,846/yr in principal paydown compounds ownership stake. Total projected return: $154,160.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.0% |
| Monthly Cash Flow | $575 | $1,500 |
City averages based on Groveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,486 |
| Total Monthly Debt Service | $1,789 |
| DSCR Ratio | 1.39x |
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
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95321, Groveland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,910 (100%) |
| Owner Occupied HU | 1,407 (36.0%) |
| Renter Occupied HU | 338 ( 8.6%) |
| Vacant Housing Units | 2,165 (55.4%) |
| Median Home Value | $568,202 |
| Average Home Value | $671,270 |
Housing Distribution
Address Breakdown
Residential
2,026
Single Family
432
Multi-Family
1,594
Businesses
202
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
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95321, Groveland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,910 (100%) |
| Owner Occupied HU | 1,407 (36.0%) |
| Renter Occupied HU | 338 ( 8.6%) |
| Vacant Housing Units | 2,165 (55.4%) |
| Median Home Value | $568,202 |
| Average Home Value | $671,270 |
Housing Distribution
Address Breakdown
Residential
2,026
Single Family
432
Multi-Family
1,594
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Larry Jobe • PAUL S. BUNT, REAL ESTATE
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41116946