2346 Oakvale DrShingle SpringsCA95682
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 2346 Oakvale Dr, Shingle Springs, CA, 95682 in Shingle Springs. At $620,000 it earns $5,150/mo in rent and distributes $1,262/mo to the owner after the $2,788/mo payment, a consistent 9.97% yield. DSCR 1.85 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $171,295 in value; $5,710/yr in principal paydown compounds ownership stake. Total projected return: $316,476.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.0% |
| Monthly Cash Flow | $1,262 | $300 |
City averages based on Shingle Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,150 |
| Total Monthly Debt Service | $3,642 |
| DSCR Ratio | 1.41x |
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 1977
3.62 Acres lot
$N/A/sqft
$640 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95682, Shingle Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,432 (100%) |
| Owner Occupied HU | 8,921 (71.8%) |
| Renter Occupied HU | 2,909 (23.4%) |
| Vacant Housing Units | 602 ( 4.8%) |
| Median Home Value | $751,567 |
| Average Home Value | $846,468 |
Housing Distribution
Address Breakdown
Residential
11,711
Single Family
11,105
Multi-Family
606
Businesses
1,033
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 1977
3.62 Acres lot
$N/A/sqft
$640 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95682, Shingle Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,432 (100%) |
| Owner Occupied HU | 8,921 (71.8%) |
| Renter Occupied HU | 2,909 (23.4%) |
| Vacant Housing Units | 602 ( 4.8%) |
| Median Home Value | $751,567 |
| Average Home Value | $846,468 |
Housing Distribution
Address Breakdown
Residential
11,711
Single Family
11,105
Multi-Family
606
Businesses
1,033
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices