4128 Foothill DrLucerneCA95458
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4128 Foothill Dr, Lucerne, CA, 95458 in Lucerne speaks for itself: 12.7% gross on a $168,000 price, generating $1,778/mo in rent and $685/mo in net income after the $755/mo debt service. DSCR 2.35, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,214 stacks alongside $46,415 in projected five-year appreciation and $1,547/yr in principal reduction. Projected total cumulative return: $108,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.7% | 5.0% |
| Monthly Cash Flow | $685 | $200 |
City averages based on Lucerne market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,778 |
| Total Monthly Debt Service | $1,027 |
| DSCR Ratio | 1.73x |
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 1972
0.56 Acres 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
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 1972
0.56 Acres 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
Nearby investment properties with comparable prices