4271 Council TrlCopperopolisCA95228
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.75% yield at 4271 Council Trl, Copperopolis, CA, 95228 in Copperopolis is solid, but the $1,839/mo payment compresses net cash flow to $86/mo at $409,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $112,999 by year five, and $3,767/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.44) without U.S. income documentation. Total projected return: $160,717.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $86 | $200 |
City averages based on Copperopolis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $2,391 |
| DSCR Ratio | 1.10x |
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 1983
0.25 Acres lot
$N/A/sqft
$24 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95228, Copperopolis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,141 (100%) |
| Owner Occupied HU | 1,763 (56.1%) |
| Renter Occupied HU | 358 (11.4%) |
| Vacant Housing Units | 1,020 (32.5%) |
| Median Home Value | $528,036 |
| Average Home Value | $594,377 |
Housing Distribution
Address Breakdown
Residential
2,245
Single Family
2,117
Multi-Family
128
Businesses
161
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 1983
0.25 Acres lot
$N/A/sqft
$24 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95228, Copperopolis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,141 (100%) |
| Owner Occupied HU | 1,763 (56.1%) |
| Renter Occupied HU | 358 (11.4%) |
| Vacant Housing Units | 1,020 (32.5%) |
| Median Home Value | $528,036 |
| Average Home Value | $594,377 |
Housing Distribution
Address Breakdown
Residential
2,245
Single Family
2,117
Multi-Family
128
Businesses
161
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices