3944 Country Club DrLucerneCA95458
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3944 Country Club Dr, Lucerne, CA, 95458 in Lucerne at $212,000 earns $1,436/mo in rent and nets $125/mo after the $1,005/mo payment, a 8.13% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $58,572 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $1,777/yr in principal paydown, total projected return reaches $84,450.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.0% |
| Monthly Cash Flow | $125 | $200 |
City averages based on Lucerne market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,436 |
| Total Monthly Debt Service | $1,279 |
| DSCR Ratio | 1.12x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1973
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95458, Lucerne, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,465 (100%) |
| Owner Occupied HU | 732 (50.0%) |
| Renter Occupied HU | 383 (26.1%) |
| Vacant Housing Units | 350 (23.9%) |
| Median Home Value | $302,564 |
| Average Home Value | $410,656 |
Housing Distribution
Address Breakdown
Residential
695
Single Family
665
Multi-Family
30
Businesses
37
Nearby investment properties with comparable rents
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls Provider:
Mls ID: #LC26183492
