21140 Vista Amorosa CtPine GroveCA95665
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 21140 Vista Amorosa Ct, Pine Grove, CA, 95665 in Pine Grove. At $629,000 it earns $4,217/mo in rent and distributes $311/mo to the owner after the $2,828/mo payment, a consistent 8.04% yield. DSCR 1.49 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $173,781 in value; $5,793/yr in principal paydown compounds ownership stake. Total projected return: $258,603.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $311 | $1,500 |
City averages based on Pine Grove market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,217 |
| Total Monthly Debt Service | $3,656 |
| DSCR Ratio | 1.15x |
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 1992
0.67 Acres lot
$N/A/sqft
$180 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95665, Pine Grove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,321 (100%) |
| Owner Occupied HU | 1,695 (73.0%) |
| Renter Occupied HU | 349 (15.0%) |
| Vacant Housing Units | 277 (11.9%) |
| Median Home Value | $493,959 |
| Average Home Value | $531,168 |
Housing Distribution
Address Breakdown
Residential
1,815
Single Family
1,815
Multi-Family
0
Businesses
168
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 1992
0.67 Acres lot
$N/A/sqft
$180 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95665, Pine Grove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,321 (100%) |
| Owner Occupied HU | 1,695 (73.0%) |
| Renter Occupied HU | 349 (15.0%) |
| Vacant Housing Units | 277 (11.9%) |
| Median Home Value | $493,959 |
| Average Home Value | $531,168 |
Housing Distribution
Address Breakdown
Residential
1,815
Single Family
1,815
Multi-Family
0
Businesses
168
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Neeta Patel • Vista Sotheby's International Realty
Mls Name: MetroList Services of CA
Mls ID: #226096008