2834 Shady LnPollock PinesCA95726
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 2834 Shady Ln, Pollock Pines, CA, 95726 in Pollock Pines. At $485,000 it earns $3,574/mo in rent and distributes $554/mo to the owner after the $2,181/mo payment, a consistent 8.84% yield. DSCR 1.64 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $133,997 in value; $4,467/yr in principal paydown compounds ownership stake. Total projected return: $219,633.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $554 | $250 |
City averages based on Pollock Pines market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,574 |
| Total Monthly Debt Service | $2,827 |
| DSCR Ratio | 1.26x |
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 1989
1.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95726, Pollock Pines, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,541 (100%) |
| Owner Occupied HU | 2,984 (65.7%) |
| Renter Occupied HU | 644 (14.2%) |
| Vacant Housing Units | 913 (20.1%) |
| Median Home Value | $575,419 |
| Average Home Value | $635,433 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,954
Multi-Family
29
Businesses
148
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 1989
1.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95726, Pollock Pines, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,541 (100%) |
| Owner Occupied HU | 2,984 (65.7%) |
| Renter Occupied HU | 644 (14.2%) |
| Vacant Housing Units | 913 (20.1%) |
| Median Home Value | $575,419 |
| Average Home Value | $635,433 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,954
Multi-Family
29
Businesses
148
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sally Long Johns • Century 21 Select Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225114328