40050 Wilderness Lodge RdBranscombCA95417
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 40050 Wilderness Lodge Rd, Branscomb, CA, 95417 in Branscomb worth study. Rental yield 2.88%. The 2.88% gross yield is below cash-flow benchmarks at $245,000, but 5% annual appreciation, adding $67,689 over five years, frames this as a capital growth position. Rent of $1,703/mo partially offsets the $1,102/mo payment. Ziffy Mortgage finances appreciation-play properties (1.55 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $104,956.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 5.0% |
| Monthly Cash Flow | $(928) | $1,200 |
City averages based on Branscomb market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,703 |
| Total Monthly Debt Service | $1,418 |
| DSCR Ratio | 1.20x |
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 1976
12.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95417, Branscomb, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 157 (100%) |
| Owner Occupied HU | 80 (51.0%) |
| Renter Occupied HU | 27 (17.2%) |
| Vacant Housing Units | 50 (31.8%) |
| Median Home Value | $426,667 |
| Average Home Value | $501,313 |
Housing Distribution
Address Breakdown
Residential
45
Single Family
45
Multi-Family
0
Businesses
1
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 1976
12.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95417, Branscomb, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 157 (100%) |
| Owner Occupied HU | 80 (51.0%) |
| Renter Occupied HU | 27 (17.2%) |
| Vacant Housing Units | 50 (31.8%) |
| Median Home Value | $426,667 |
| Average Home Value | $501,313 |
Housing Distribution
Address Breakdown
Residential
45
Single Family
45
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tara M Moratti • Coldwell Banker Mendo Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #325034158
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.