2143 Angel Camp CtCoolCA95614
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingRental yield 6.4%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $218,235, and $7,275/yr in principal equity projects total return of $256,167.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 5.0% |
| Monthly Cash Flow | $(673) | $1,500 |
City averages based on Cool market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,213 |
| Total Monthly Debt Service | $4,572 |
| DSCR Ratio | 0.92x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1982
2.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95614, Cool, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,671 (100%) |
| Owner Occupied HU | 1,435 (85.9%) |
| Renter Occupied HU | 128 ( 7.7%) |
| Vacant Housing Units | 108 ( 6.5%) |
| Median Home Value | $601,140 |
| Average Home Value | $632,179 |
Housing Distribution
Address Breakdown
Residential
1,585
Single Family
1,585
Multi-Family
0
Businesses
96
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 1982
2.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95614, Cool, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,671 (100%) |
| Owner Occupied HU | 1,435 (85.9%) |
| Renter Occupied HU | 128 ( 7.7%) |
| Vacant Housing Units | 108 ( 6.5%) |
| Median Home Value | $601,140 |
| Average Home Value | $632,179 |
Housing Distribution
Address Breakdown
Residential
1,585
Single Family
1,585
Multi-Family
0
Businesses
96
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Suzette Hughes • Premier Foothill Properties, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225131155