20617 Gerber RdTuolumneCA95379
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 20617 Gerber Rd, Tuolumne, CA, 95379 in Tuolumne speaks for itself: 17.36% gross on a $418,000 price, generating $6,048/mo in rent and $3,446/mo in net income after the $1,880/mo debt service. DSCR 3.22, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $41,346 stacks alongside $115,486 in projected five-year appreciation and $3,850/yr in principal reduction. Projected total cumulative return: $380,296.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.4% | 6.0% |
| Monthly Cash Flow | $3,446 | $1,200 |
City averages based on Tuolumne market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,048 |
| Total Monthly Debt Service | $2,436 |
| DSCR Ratio | 2.48x |
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 1987
0.59 Acres lot
$N/A/sqft
$200 annually 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
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 1987
0.59 Acres lot
$N/A/sqft
$200 annually 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices