271 S Hay StLone PineCA93545
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.15% gross rental yield, 271 S Hay St, Lone Pine, CA, 93545 in Lone Pine is priced for capital growth, not immediate cash flow. The $749,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $207,184 by year five, with $6,907/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.77) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $152,648.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.0% |
| Monthly Cash Flow | $(2,047) | $1,200 |
City averages based on Lone Pine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,592 |
| Total Monthly Debt Service | $4,341 |
| DSCR Ratio | 0.60x |
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.
Multi Family
Built in 1950
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93545, Lone Pine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,138 (100%) |
| Owner Occupied HU | 527 (46.3%) |
| Renter Occupied HU | 394 (34.6%) |
| Vacant Housing Units | 217 (19.1%) |
| Median Home Value | $423,148 |
| Average Home Value | $400,527 |
Housing Distribution
Address Breakdown
Residential
158
Single Family
158
Multi-Family
0
Businesses
110
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
Multi Family
Built in 1950
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93545, Lone Pine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,138 (100%) |
| Owner Occupied HU | 527 (46.3%) |
| Renter Occupied HU | 394 (34.6%) |
| Vacant Housing Units | 217 (19.1%) |
| Median Home Value | $423,148 |
| Average Home Value | $400,527 |
Housing Distribution
Address Breakdown
Residential
158
Single Family
158
Multi-Family
0
Businesses
110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices