2335 Winchester LoopDiscovery BayCA94505
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder2335 Winchester Loop, Discovery Bay, CA, 94505 in Discovery Bay is a stable, well-positioned rental at $795,000. Rental yield 7.21%. DSCR 1.34 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $219,644 in value and $7,322/yr in principal paydown builds equity, a total projected return of $264,141.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 7.0% |
| Monthly Cash Flow | $(612) | $1,200 |
City averages based on Discovery Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,780 |
| Total Monthly Debt Service | $5,076 |
| DSCR Ratio | 0.94x |
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 2003
6,098 sqft lot
$N/A/sqft
$230 monthly HOA
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 2003
6,098 sqft lot
$N/A/sqft
$230 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Emilio Leypon • EXP Realty
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls Provider:
Mls ID: #41106279
Disclaimer: Bay East 2025. CCAR 2025. bridgeMLS 2025. Information Deemed Reliable But Not Guaranteed. This information is being provided by the Bay East MLS, or CCAR MLS, or bridgeMLS. The listings presented here may or may not be listed by the Broker/Agent operating this website. This information is intended for the personal use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated at 2025-10-27 21:11:26 PDT.