33581 Ponderosa WayPaynes CreekCA96075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 33581 Ponderosa Way, Paynes Creek, CA, 96075 in Paynes Creek delivers $1,621/mo in gross rent and $229/mo in net monthly income at a $225,000 entry. The 8.65% yield and 1.60 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $62,163 over five years and $2,072/yr in equity from loan paydown, total projected return is $100,068.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $229 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,621 |
| Total Monthly Debt Service | $1,302 |
| DSCR Ratio | 1.24x |
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.
Manufactured
Built in 1984
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96075, Paynes Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 200 (100%) |
| Owner Occupied HU | 97 (48.5%) |
| Renter Occupied HU | 37 (18.5%) |
| Vacant Housing Units | 66 (33.0%) |
| Median Home Value | $362,500 |
| Average Home Value | $411,314 |
Housing Distribution
Address Breakdown
Residential
181
Single Family
181
Multi-Family
0
Businesses
7
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
Manufactured
Built in 1984
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96075, Paynes Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 200 (100%) |
| Owner Occupied HU | 97 (48.5%) |
| Renter Occupied HU | 37 (18.5%) |
| Vacant Housing Units | 66 (33.0%) |
| Median Home Value | $362,500 |
| Average Home Value | $411,314 |
Housing Distribution
Address Breakdown
Residential
181
Single Family
181
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sergey Tkachev • eXp Realty of California Inc.
Mls Name: MetroList Services of CA
Mls ID: #225131046