3076 Trabin WayPilot HillCA95664
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3076 Trabin Way, Pilot Hill, CA, 95664 in Pilot Hill at $625,000 earns $3,977/mo in rent and nets $94/mo after the $2,810/mo payment, a 7.64% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $172,676 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $5,756/yr in principal paydown, total projected return reaches $243,166.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $94 | $1,200 |
City averages based on Pilot Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,977 |
| Total Monthly Debt Service | $3,634 |
| DSCR Ratio | 1.09x |
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 1999
5.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95664, Pilot Hill, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 508 (80.8%) |
| Renter Occupied HU | 63 (10.0%) |
| Vacant Housing Units | 58 ( 9.2%) |
| Median Home Value | $847,107 |
| Average Home Value | $824,734 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
22
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 1999
5.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95664, Pilot Hill, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 508 (80.8%) |
| Renter Occupied HU | 63 (10.0%) |
| Vacant Housing Units | 58 ( 9.2%) |
| Median Home Value | $847,107 |
| Average Home Value | $824,734 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices