4280 Patterson Dr UNIT 7ADiamond SpringsCA95619
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4280 Patterson Dr UNIT 7A, Diamond Springs, CA, 95619 in Diamond Springs at $265,000 earns $1,813/mo in rent and nets $174/mo after the $1,192/mo payment, a 8.21% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $73,215 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $2,441/yr in principal paydown, total projected return reaches $111,631.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.0% |
| Monthly Cash Flow | $174 | $300 |
City averages based on Diamond Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,813 |
| Total Monthly Debt Service | $1,534 |
| 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.
Manufactured
Built in 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95619, Diamond Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,734 (100%) |
| Owner Occupied HU | 1,247 (71.9%) |
| Renter Occupied HU | 398 (23.0%) |
| Vacant Housing Units | 89 ( 5.1%) |
| Median Home Value | $473,598 |
| Average Home Value | $528,310 |
Housing Distribution
Address Breakdown
Residential
1,814
Single Family
1,674
Multi-Family
140
Businesses
373
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 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95619, Diamond Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,734 (100%) |
| Owner Occupied HU | 1,247 (71.9%) |
| Renter Occupied HU | 398 (23.0%) |
| Vacant Housing Units | 89 ( 5.1%) |
| Median Home Value | $473,598 |
| Average Home Value | $528,310 |
Housing Distribution
Address Breakdown
Residential
1,814
Single Family
1,674
Multi-Family
140
Businesses
373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laura Hogan • eXp Realty of California, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225137115