245 E Petalo StMountain HouseCA95391
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 245 E Petalo St, Mountain House, CA, 95391 in Mountain House. At $743,140 it earns $5,251/mo in rent and distributes $479/mo to the owner after the $3,342/mo payment, a consistent 8.48% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $205,316 in value; $6,844/yr in principal paydown compounds ownership stake. Total projected return: $313,376.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $479 | $300 |
City averages based on Mountain House market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,251 |
| Total Monthly Debt Service | $4,477 |
| DSCR Ratio | 1.17x |
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 N/A
2,038 sqft lot
$N/A/sqft
$175 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95391, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,774 (100%) |
| Owner Occupied HU | 6,304 (71.8%) |
| Renter Occupied HU | 1,832 (20.9%) |
| Vacant Housing Units | 638 ( 7.3%) |
| Median Home Value | $849,163 |
| Average Home Value | $881,315 |
Housing Distribution
Address Breakdown
Residential
8,067
Single Family
8,067
Multi-Family
0
Businesses
52
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 N/A
2,038 sqft lot
$N/A/sqft
$175 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95391, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,774 (100%) |
| Owner Occupied HU | 6,304 (71.8%) |
| Renter Occupied HU | 1,832 (20.9%) |
| Vacant Housing Units | 638 ( 7.3%) |
| Median Home Value | $849,163 |
| Average Home Value | $881,315 |
Housing Distribution
Address Breakdown
Residential
8,067
Single Family
8,067
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Justyna Korczynski • The New Home Company
Mls Name: MetroList Services of CA
Mls ID: #226025874