4431 Kingscote WayMatherCA95655
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderRental yield 7.28%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $227,932, and $7,598/yr in principal equity projects total return of $295,724.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.0% |
| Monthly Cash Flow | $(277) | $1,500 |
City averages based on Mather market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,005 |
| Total Monthly Debt Service | $4,954 |
| DSCR Ratio | 1.01x |
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 2003
0.32 Acres lot
$N/A/sqft
$112 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95655, Mather, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,783 (100%) |
| Owner Occupied HU | 1,209 (67.8%) |
| Renter Occupied HU | 389 (21.8%) |
| Vacant Housing Units | 185 (10.4%) |
| Median Home Value | $587,930 |
| Average Home Value | $600,333 |
Housing Distribution
Address Breakdown
Residential
1,632
Single Family
1,632
Multi-Family
0
Businesses
80
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 2003
0.32 Acres lot
$N/A/sqft
$112 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95655, Mather, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,783 (100%) |
| Owner Occupied HU | 1,209 (67.8%) |
| Renter Occupied HU | 389 (21.8%) |
| Vacant Housing Units | 185 (10.4%) |
| Median Home Value | $587,930 |
| Average Home Value | $600,333 |
Housing Distribution
Address Breakdown
Residential
1,632
Single Family
1,632
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: TJ McLaughlin • Redfin Corporation
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225068182
Disclaimer: Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. [Click here for more information](/mls-disclaimers/#16)