21756 Los Altos DrPalo CedroCA96073
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 21756 Los Altos Dr, Palo Cedro, CA, 96073 in Palo Cedro: $5,717/mo in rent, $397/mo in net income, 7.98% gross yield, 1.48 DSCR, all at $859,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $237,575 in appreciation and $7,920/yr in principal paydown projects total cumulative return of $351,633.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $397 | $1,500 |
City averages based on Palo Cedro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,717 |
| Total Monthly Debt Service | $4,977 |
| 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 2001
4.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96073, Palo Cedro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,933 (100%) |
| Owner Occupied HU | 1,617 (83.7%) |
| Renter Occupied HU | 205 (10.6%) |
| Vacant Housing Units | 111 ( 5.7%) |
| Median Home Value | $561,115 |
| Average Home Value | $577,876 |
Housing Distribution
Address Breakdown
Residential
1,646
Single Family
1,642
Multi-Family
4
Businesses
290
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 2001
4.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96073, Palo Cedro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,933 (100%) |
| Owner Occupied HU | 1,617 (83.7%) |
| Renter Occupied HU | 205 (10.6%) |
| Vacant Housing Units | 111 ( 5.7%) |
| Median Home Value | $561,115 |
| Average Home Value | $577,876 |
Housing Distribution
Address Breakdown
Residential
1,646
Single Family
1,642
Multi-Family
4
Businesses
290
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kylie A Dagg-Covington • Relevant Real Estate
Mls Name: SMLS
Mls ID: #25-4922