21542 Morel CtSmartsvilleCA95977
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 21542 Morel Ct, Smartsville, CA, 95977 in Smartsville hard to pass up. The 13.99% gross yield on a $198,500 purchase results in $2,314/mo in rent and $1,086/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.59). Annual cash flow of $13,028, five-year appreciation of $54,842, and $1,828/yr in equity build-up combine for a projected total cumulative return of $145,150.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 6.0% |
| Monthly Cash Flow | $1,086 | $1,500 |
City averages based on Smartsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,314 |
| Total Monthly Debt Service | $1,149 |
| DSCR Ratio | 2.01x |
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.
Lot
Built in N/A
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
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
Lot
Built in N/A
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95977, Smartville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 600 (76.0%) |
| Renter Occupied HU | 117 (14.8%) |
| Vacant Housing Units | 72 ( 9.1%) |
| Median Home Value | $619,845 |
| Average Home Value | $800,579 |
Housing Distribution
Address Breakdown
Residential
666
Single Family
666
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents