20501 Schell Ranch RdCalienteCA93518
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 20501 Schell Ranch Rd, Caliente, CA, 93518 in Caliente: $1,961/mo in rent, $201/mo in net income, 8.27% gross yield, 1.53 DSCR, all at $284,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $78,602 in appreciation and $2,620/yr in principal paydown projects total cumulative return of $120,854.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.0% |
| Monthly Cash Flow | $201 | $500 |
City averages based on Caliente market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,961 |
| Total Monthly Debt Service | $1,647 |
| DSCR Ratio | 1.19x |
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.
Manufactured
Built in 2008
1.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93518, Caliente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 770 (100%) |
| Owner Occupied HU | 438 (56.9%) |
| Renter Occupied HU | 75 ( 9.7%) |
| Vacant Housing Units | 257 (33.4%) |
| Median Home Value | $407,767 |
| Average Home Value | $439,001 |
Housing Distribution
Address Breakdown
Residential
619
Single Family
619
Multi-Family
0
Businesses
47
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
Manufactured
Built in 2008
1.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93518, Caliente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 770 (100%) |
| Owner Occupied HU | 438 (56.9%) |
| Renter Occupied HU | 75 ( 9.7%) |
| Vacant Housing Units | 257 (33.4%) |
| Median Home Value | $407,767 |
| Average Home Value | $439,001 |
Housing Distribution
Address Breakdown
Residential
619
Single Family
619
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Southern Sierra
Mls ID: #2608161