204 Marina LnWaterfordCA95386
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 204 Marina Ln, Waterford, CA, 95386 in Waterford is straightforward: $490,000 in, $3,576/mo in rent, $452/mo out after debt service. The 8.76% gross yield and 1.62 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $135,378 by year five. With $4,513/yr in principal equity, the total cumulative return is projected at $215,347.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $452 | $250 |
City averages based on Waterford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,576 |
| Total Monthly Debt Service | $2,929 |
| DSCR Ratio | 1.22x |
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 2005
6,534 sqft lot
$N/A/sqft
$93 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95386, Waterford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,538 (100%) |
| Owner Occupied HU | 2,298 (65.0%) |
| Renter Occupied HU | 1,124 (31.8%) |
| Vacant Housing Units | 116 ( 3.3%) |
| Median Home Value | $468,277 |
| Average Home Value | $559,281 |
Housing Distribution
Address Breakdown
Residential
3,245
Single Family
3,106
Multi-Family
139
Businesses
216
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 2005
6,534 sqft lot
$N/A/sqft
$93 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95386, Waterford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,538 (100%) |
| Owner Occupied HU | 2,298 (65.0%) |
| Renter Occupied HU | 1,124 (31.8%) |
| Vacant Housing Units | 116 ( 3.3%) |
| Median Home Value | $468,277 |
| Average Home Value | $559,281 |
Housing Distribution
Address Breakdown
Residential
3,245
Single Family
3,106
Multi-Family
139
Businesses
216
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandy Taylor • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225022030
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