29153 S Cow Creek RdWhitmoreCA96096
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.51% yield at 29153 S Cow Creek Rd, Whitmore, CA, 96096 in Whitmore is solid, but the $2,244/mo payment compresses net cash flow to $35/mo at $499,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $137,865 by year five, and $4,596/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.39) without U.S. income documentation. Total projected return: $191,471.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 8.0% |
| Monthly Cash Flow | $35 | $200 |
City averages based on Whitmore 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 | $3,122 |
| Total Monthly Debt Service | $2,888 |
| DSCR Ratio | 1.08x |
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 2004
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96096, Whitmore, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 395 (100%) |
| Owner Occupied HU | 277 (70.1%) |
| Renter Occupied HU | 48 (12.2%) |
| Vacant Housing Units | 70 (17.7%) |
| Median Home Value | $508,013 |
| Average Home Value | $593,493 |
Housing Distribution
Address Breakdown
Residential
171
Single Family
171
Multi-Family
0
Businesses
9
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 2004
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96096, Whitmore, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 395 (100%) |
| Owner Occupied HU | 277 (70.1%) |
| Renter Occupied HU | 48 (12.2%) |
| Vacant Housing Units | 70 (17.7%) |
| Median Home Value | $508,013 |
| Average Home Value | $593,493 |
Housing Distribution
Address Breakdown
Residential
171
Single Family
171
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SMLS
Mls ID: #26-1592