340 Tom Bell Rd SPC 148MurphysCA95247
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 340 Tom Bell Rd SPC 148, Murphys, CA, 95247 in Murphys. Priced at $139,000, it generates $2,503/mo in gross rent and $1,643/mo in net monthly cash flow, a 21.61% yield that comfortably supports the 4.00 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,720. Five-year appreciation: $38,403. Equity from principal paydown: $1,280/yr. Total projected cumulative return: $158,468.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.6% | 6.5% |
| Monthly Cash Flow | $1,643 | $1,200 |
City averages based on Murphys market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,503 |
| Total Monthly Debt Service | $805 |
| DSCR Ratio | 3.11x |
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 1986
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95247, Murphys, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,562 (100%) |
| Owner Occupied HU | 1,475 (57.6%) |
| Renter Occupied HU | 428 (16.7%) |
| Vacant Housing Units | 659 (25.7%) |
| Median Home Value | $535,321 |
| Average Home Value | $566,320 |
Housing Distribution
Address Breakdown
Residential
1,443
Single Family
1,258
Multi-Family
185
Businesses
289
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 1986
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95247, Murphys, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,562 (100%) |
| Owner Occupied HU | 1,475 (57.6%) |
| Renter Occupied HU | 428 (16.7%) |
| Vacant Housing Units | 659 (25.7%) |
| Median Home Value | $535,321 |
| Average Home Value | $566,320 |
Housing Distribution
Address Breakdown
Residential
1,443
Single Family
1,258
Multi-Family
185
Businesses
289
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rolin L. Crawford GRI • CB Action Realty
Mls Name: CCARMLS
Mls ID: #202501084
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.