34811 Wintergreen LoopNorth ForkCA93643
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 34811 Wintergreen Loop, North Fork, CA, 93643 in North Fork fits: $667,000, 4.84% gross yield, and a projected 5% annual appreciation rate adding $184,280 in value within five years. Rental yield 4.84%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.01) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,143/yr in principal paydown and $184,280 in appreciation project a total return of $182,077.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 5.5% |
| Monthly Cash Flow | $(1,838) | $1,200 |
City averages based on North Fork market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,025 |
| Total Monthly Debt Service | $3,861 |
| DSCR Ratio | 0.78x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
2.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93643, North Fork, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,529 (100%) |
| Owner Occupied HU | 950 (62.1%) |
| Renter Occupied HU | 271 (17.7%) |
| Vacant Housing Units | 308 (20.1%) |
| Median Home Value | $541,226 |
| Average Home Value | $526,047 |
Housing Distribution
Address Breakdown
Residential
1,278
Single Family
1,278
Multi-Family
0
Businesses
134
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
2.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93643, North Fork, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,529 (100%) |
| Owner Occupied HU | 950 (62.1%) |
| Renter Occupied HU | 271 (17.7%) |
| Vacant Housing Units | 308 (20.1%) |
| Median Home Value | $541,226 |
| Average Home Value | $526,047 |
Housing Distribution
Address Breakdown
Residential
1,278
Single Family
1,278
Multi-Family
0
Businesses
134
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Fresno MLS
Mls ID: #634637