40980 Skyline DrEmigrant GapCA95715
INVESTMENT ANALYSIS
Investment Verdict
Solid Income40980 Skyline Dr, Emigrant Gap, CA, 95715 in Emigrant Gap is a solid income-producing rental, 8.48% gross yield, $3,073/mo rent, $297/mo net cash flow on a $434,900 buy. DSCR 1.57 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $120,155 and $4,005/yr in principal reduction project a total cumulative return of $184,378.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $297 | $1,200 |
City averages based on Emigrant Gap market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,073 |
| Total Monthly Debt Service | $2,604 |
| DSCR Ratio | 1.18x |
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 1977
0.34 Acres lot
$N/A/sqft
$600 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95715, Emigrant Gap, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30 (100%) |
| Owner Occupied HU | 10 (33.3%) |
| Renter Occupied HU | 5 (16.7%) |
| Vacant Housing Units | 15 (50.0%) |
| Median Home Value | $800,000 |
| Average Home Value | $785,000 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
8
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 1977
0.34 Acres lot
$N/A/sqft
$600 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95715, Emigrant Gap, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30 (100%) |
| Owner Occupied HU | 10 (33.3%) |
| Renter Occupied HU | 5 (16.7%) |
| Vacant Housing Units | 15 (50.0%) |
| Median Home Value | $800,000 |
| Average Home Value | $785,000 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices