3550 China Garden Rd #150PlacervilleCA95667
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3550 China Garden Rd #150, Placerville, CA, 95667 in Placerville is narrow, $154/mo net on $1,483/mo rent after the $966/mo debt service, but the property operates at break-even-plus, not a loss. At $214,900 with a 8.28% yield, the long-run equity case via 5% appreciation ($59,373 over five years) and $1,979/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.54 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $91,424.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $154 | $300 |
City averages based on Placerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,483 |
| Total Monthly Debt Service | $1,244 |
| DSCR Ratio | 1.19x |
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 2025
N/A lot
$N/A/sqft
No HOA
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 2025
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Margaret Holland • Holland Realty
Mls Name: MetroList Services of CA
Mls ID: #225103467