2785 Village DrIoneCA95640
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2785 Village Dr, Ione, CA, 95640 in Ione worth study. Rental yield 4.56%. The 4.56% gross yield is below cash-flow benchmarks at $585,000, but 5% annual appreciation, adding $161,625 over five years, frames this as a capital growth position. Rent of $2,222/mo partially offsets the $2,631/mo payment. Ziffy Mortgage finances appreciation-play properties (0.84 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $131,451.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.0% |
| Monthly Cash Flow | $(1,405) | $1,500 |
City averages based on Ione market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,222 |
| Total Monthly Debt Service | $3,394 |
| DSCR Ratio | 0.65x |
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 N/A
0.50 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95640, Ione, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,166 (100%) |
| Owner Occupied HU | 2,970 (71.3%) |
| Renter Occupied HU | 863 (20.7%) |
| Vacant Housing Units | 333 ( 8.0%) |
| Median Home Value | $486,328 |
| Average Home Value | $526,797 |
Housing Distribution
Address Breakdown
Residential
3,661
Single Family
3,597
Multi-Family
64
Businesses
175
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
0.50 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95640, Ione, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,166 (100%) |
| Owner Occupied HU | 2,970 (71.3%) |
| Renter Occupied HU | 863 (20.7%) |
| Vacant Housing Units | 333 ( 8.0%) |
| Median Home Value | $486,328 |
| Average Home Value | $526,797 |
Housing Distribution
Address Breakdown
Residential
3,661
Single Family
3,597
Multi-Family
64
Businesses
175
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Bradford • eXp Realty of Northern CA
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224126521
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.