3748 Baldwin DrPlacervilleCA95667
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 3748 Baldwin Dr, Placerville, CA, 95667 in Placerville at $635,000. Rental yield 6.48%. The 6.48% yield and 1.20 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $175,439 by year five, and $5,848/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $207,773.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.0% |
| Monthly Cash Flow | $(515) | $300 |
City averages based on Placerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,430 |
| Total Monthly Debt Service | $3,692 |
| DSCR Ratio | 0.93x |
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 1992
5.36 Acres lot
$N/A/sqft
$200 annually 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
Single Family
Built in 1992
5.36 Acres lot
$N/A/sqft
$200 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alejandro Ocampo • Ocampo Real Estate
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82012985
Disclaimer: Based on information from the MLSListings MLS as of 2025-07-01 14:02:24 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.