3809 Garnet RdPollock PinesCA95726
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3809 Garnet Rd, Pollock Pines, CA, 95726 in Pollock Pines speaks for itself: 10.36% gross on a $325,000 price, generating $2,806/mo in rent and $747/mo in net income after the $1,461/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,961 stacks alongside $89,792 in projected five-year appreciation and $2,993/yr in principal reduction. Projected total cumulative return: $171,546.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.0% |
| Monthly Cash Flow | $747 | $250 |
City averages based on Pollock Pines market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,806 |
| Total Monthly Debt Service | $1,930 |
| DSCR Ratio | 1.45x |
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.
Single Family
Built in 1983
0.45 Acres lot
$N/A/sqft
$145 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95726, Pollock Pines, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,541 (100%) |
| Owner Occupied HU | 2,984 (65.7%) |
| Renter Occupied HU | 644 (14.2%) |
| Vacant Housing Units | 913 (20.1%) |
| Median Home Value | $575,419 |
| Average Home Value | $635,433 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,954
Multi-Family
29
Businesses
148
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 1983
0.45 Acres lot
$N/A/sqft
$145 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95726, Pollock Pines, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,541 (100%) |
| Owner Occupied HU | 2,984 (65.7%) |
| Renter Occupied HU | 644 (14.2%) |
| Vacant Housing Units | 913 (20.1%) |
| Median Home Value | $575,419 |
| Average Home Value | $635,433 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,954
Multi-Family
29
Businesses
148
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices