4616 Studebaker RdPlacervilleCA95667
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4616 Studebaker Rd, Placerville, CA, 95667 in Placerville worth study. Rental yield 5.84%. The 5.84% gross yield is below cash-flow benchmarks at $825,000, but 5% annual appreciation, adding $227,932 over five years, frames this as a capital growth position. Rent of $4,013/mo partially offsets the $3,710/mo payment. Ziffy Mortgage finances appreciation-play properties (1.08 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $239,636.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.0% |
| Monthly Cash Flow | $(1,141) | $300 |
City averages based on Placerville 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 | $4,013 |
| Total Monthly Debt Service | $4,825 |
| DSCR Ratio | 0.83x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1993
5.01 Acres lot
$N/A/sqft
$600 annually HOA
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 1993
5.01 Acres lot
$N/A/sqft
$600 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karen Dancer • eXp Realty of California, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225055853