4291 Patterson Dr APT 16Diamond SpringsCA95619
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 4291 Patterson Dr APT 16, Diamond Springs, CA, 95619 in Diamond Springs earns a 10.59% gross yield at $278,000. Rent of $2,454/mo nets $421/mo after the $1,250/mo mortgage. The 1.96 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $76,806 and $2,560/yr in equity accumulation project a total cumulative return of $133,888.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 5.0% |
| Monthly Cash Flow | $421 | $300 |
City averages based on Diamond Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,454 |
| Total Monthly Debt Service | $1,923 |
| DSCR Ratio | 1.28x |
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.
Condo
Built in 1985
436 sqft lot
$N/A/sqft
$268 monthly 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
Condo
Built in 1985
436 sqft lot
$N/A/sqft
$268 monthly 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