23971 Pine Lake DrMi Wuk VillageCA95383
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 23971 Pine Lake Dr, Mi Wuk Village, CA, 95383 in Mi Wuk Village is a conservative rental investment at $335,000. Rental yield 6.86%. A 1.27 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $92,554; $3,085/yr in principal paydown supplements. Total projected return: $116,881.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.0% |
| Monthly Cash Flow | $(158) | $1,500 |
City averages based on Mi Wuk Village market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,914 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 0.99x |
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 1966
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95383, Twain Harte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,734 (100%) |
| Owner Occupied HU | 1,536 (41.1%) |
| Renter Occupied HU | 424 (11.4%) |
| Vacant Housing Units | 1,774 (47.5%) |
| Median Home Value | $528,571 |
| Average Home Value | $541,423 |
Housing Distribution
Address Breakdown
Residential
1,498
Single Family
1,498
Multi-Family
0
Businesses
121
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 1966
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95383, Twain Harte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,734 (100%) |
| Owner Occupied HU | 1,536 (41.1%) |
| Renter Occupied HU | 424 (11.4%) |
| Vacant Housing Units | 1,774 (47.5%) |
| Median Home Value | $528,571 |
| Average Home Value | $541,423 |
Housing Distribution
Address Breakdown
Residential
1,498
Single Family
1,498
Multi-Family
0
Businesses
121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jody Federigi • Coldwell Banker Twain Harte Re
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41109860