31300 Pine Mountain RoadCloverdaleCA95425
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder31300 Pine Mountain Road, Cloverdale, CA, 95425 in Cloverdale is a stable, well-positioned rental at $675,000. Rental yield 7.3%. DSCR 1.35 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $186,490 in value and $6,217/yr in principal paydown builds equity, a total projected return of $251,712.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 7.0% |
| Monthly Cash Flow | $(67) | $500 |
City averages based on Cloverdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,109 |
| Total Monthly Debt Service | $3,907 |
| DSCR Ratio | 1.05x |
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 1990
29.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95425, Cloverdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,610 (100%) |
| Owner Occupied HU | 2,768 (60.0%) |
| Renter Occupied HU | 1,508 (32.7%) |
| Vacant Housing Units | 334 ( 7.2%) |
| Median Home Value | $681,283 |
| Average Home Value | $827,243 |
Housing Distribution
Address Breakdown
Residential
4,471
Single Family
4,189
Multi-Family
282
Businesses
413
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 1990
29.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95425, Cloverdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,610 (100%) |
| Owner Occupied HU | 2,768 (60.0%) |
| Renter Occupied HU | 1,508 (32.7%) |
| Vacant Housing Units | 334 ( 7.2%) |
| Median Home Value | $681,283 |
| Average Home Value | $827,243 |
Housing Distribution
Address Breakdown
Residential
4,471
Single Family
4,189
Multi-Family
282
Businesses
413
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Laird • W Real Estate
Mls Name: BAREIS
Mls ID: #325039536