4291 Patterson Dr APT 17Diamond SpringsCA95619
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 4291 Patterson Dr APT 17, Diamond Springs, CA, 95619 in Diamond Springs is straightforward: $315,000 in, $2,182/mo in rent, $233/mo out after debt service. The 8.31% gross yield and 1.54 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $87,029 by year five. With $2,901/yr in principal equity, the total cumulative return is projected at $134,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.0% |
| Monthly Cash Flow | $233 | $300 |
City averages based on Diamond Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,182 |
| Total Monthly Debt Service | $1,823 |
| DSCR Ratio | 1.20x |
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.
Townhouse
Built in 1985
435.60 sqft 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
Townhouse
Built in 1985
435.60 sqft 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: Taylor Hirst • Navigate Realty
Mls Name: MetroList Services of CA
Mls ID: #225126802