461 Alder AveAlderpointCA95511
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing461 Alder Ave, Alderpoint, CA, 95511 in Alderpoint is a stable, well-positioned rental at $289,000. Rental yield 6.32%. DSCR 1.11 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $79,845 in value and $2,423/yr in principal paydown builds equity, a total projected return of $87,118.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.0% |
| Monthly Cash Flow | $(265) | $1,200 |
City averages based on Alderpoint market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,523 |
| Total Monthly Debt Service | $1,743 |
| DSCR Ratio | 0.87x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1920
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95511, Alderpoint, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 178 (100%) |
| Owner Occupied HU | 116 (65.2%) |
| Renter Occupied HU | 32 (18.0%) |
| Vacant Housing Units | 30 (16.9%) |
| Median Home Value | $527,778 |
| Average Home Value | $601,724 |
Housing Distribution
Address Breakdown
Residential
13
Single Family
13
Multi-Family
0
Businesses
3
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HBMLS
Mls Provider:
Mls ID: #272094
