31 Pine DrKernvilleCA93238
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.49% yield at 31 Pine Dr, Kernville, CA, 93238 in Kernville is solid, but the $1,682/mo payment compresses net cash flow to $93/mo at $374,000. 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 $103,329 by year five, and $3,445/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.63) without U.S. income documentation. Total projected return: $154,948.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $93 | $250 |
City averages based on Kernville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,741 |
| Total Monthly Debt Service | $2,404 |
| DSCR Ratio | 1.14x |
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 1967
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93238, Kernville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,079 (100%) |
| Owner Occupied HU | 547 (50.7%) |
| Renter Occupied HU | 181 (16.8%) |
| Vacant Housing Units | 351 (32.5%) |
| Median Home Value | $548,759 |
| Average Home Value | $778,135 |
Housing Distribution
Address Breakdown
Residential
153
Single Family
153
Multi-Family
0
Businesses
103
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 1967
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93238, Kernville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,079 (100%) |
| Owner Occupied HU | 547 (50.7%) |
| Renter Occupied HU | 181 (16.8%) |
| Vacant Housing Units | 351 (32.5%) |
| Median Home Value | $548,759 |
| Average Home Value | $778,135 |
Housing Distribution
Address Breakdown
Residential
153
Single Family
153
Multi-Family
0
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A