39912 Pumice DrCasselCA96016
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 39912 Pumice Dr, Cassel, CA, 96016 in Cassel. Priced at $120,000, it generates $2,326/mo in gross rent and $1,578/mo in net monthly cash flow, a 23.26% yield that comfortably supports the 4.31 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,937. Five-year appreciation: $33,154. Equity from principal paydown: $1,105/yr. Total projected cumulative return: $147,081.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.3% | 6.5% |
| Monthly Cash Flow | $1,578 | $1,200 |
City averages based on Cassel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,326 |
| Total Monthly Debt Service | $700 |
| DSCR Ratio | 3.32x |
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96016, Cassel, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 292 (100%) |
| Owner Occupied HU | 155 (53.1%) |
| Renter Occupied HU | 38 (13.0%) |
| Vacant Housing Units | 99 (33.9%) |
| Median Home Value | $543,605 |
| Average Home Value | $774,226 |
Housing Distribution
Address Breakdown
Residential
105
Single Family
105
Multi-Family
0
Businesses
7
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96016, Cassel, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 292 (100%) |
| Owner Occupied HU | 155 (53.1%) |
| Renter Occupied HU | 38 (13.0%) |
| Vacant Housing Units | 99 (33.9%) |
| Median Home Value | $543,605 |
| Average Home Value | $774,226 |
Housing Distribution
Address Breakdown
Residential
105
Single Family
105
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices