4468 Forni RdEl DoradoCA95623
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4468 Forni Rd, El Dorado, CA, 95623 in El Dorado is narrow, $117/mo net on $2,188/mo rent after the $1,461/mo debt service, but the property operates at break-even-plus, not a loss. At $324,900 with a 8.08% yield, the long-run equity case via 5% appreciation ($89,764 over five years) and $2,992/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $130,977.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $117 | $300 |
City averages based on El Dorado market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,188 |
| Total Monthly Debt Service | $1,942 |
| DSCR Ratio | 1.13x |
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 1969
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95623, El Dorado, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,228 (100%) |
| Owner Occupied HU | 1,730 (77.6%) |
| Renter Occupied HU | 350 (15.7%) |
| Vacant Housing Units | 148 ( 6.6%) |
| Median Home Value | $574,138 |
| Average Home Value | $723,211 |
Housing Distribution
Address Breakdown
Residential
1,662
Single Family
1,654
Multi-Family
8
Businesses
132
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 1969
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95623, El Dorado, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,228 (100%) |
| Owner Occupied HU | 1,730 (77.6%) |
| Renter Occupied HU | 350 (15.7%) |
| Vacant Housing Units | 148 ( 6.6%) |
| Median Home Value | $574,138 |
| Average Home Value | $723,211 |
Housing Distribution
Address Breakdown
Residential
1,662
Single Family
1,654
Multi-Family
8
Businesses
132
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Gobbi • Keller Williams Realty
Mls Name: MetroList Services of CA
Mls ID: #225115985