2175 High Bluff DrPlacervilleCO81430
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2175 High Bluff Dr, Placerville, CO, 81430 in Placerville is capital appreciation. Rental yield 1.92%. The 1.92% gross yield at $1,750,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $483,493 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.36) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $185,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 7.0% |
| Monthly Cash Flow | $(7,560) | $300 |
City averages based on Placerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,806 |
| Total Monthly Debt Service | $9,502 |
| DSCR Ratio | 0.30x |
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 2021
35.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81430, Placerville, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 558 (100%) |
| Owner Occupied HU | 246 (44.1%) |
| Renter Occupied HU | 84 (15.1%) |
| Vacant Housing Units | 228 (40.9%) |
| Median Home Value | $925,000 |
| Average Home Value | $1,215,346 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
14
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 2021
35.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81430, Placerville, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 558 (100%) |
| Owner Occupied HU | 246 (44.1%) |
| Renter Occupied HU | 84 (15.1%) |
| Vacant Housing Units | 228 (40.9%) |
| Median Home Value | $925,000 |
| Average Home Value | $1,215,346 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: TRIDEMLS
Mls ID: #44287