4651 Pilot Creek LnPilot HillCA95664
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 4651 Pilot Creek Ln, Pilot Hill, CA, 95664 in Pilot Hill at $765,000. Rental yield 6.47%. The 6.47% yield and 1.20 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $211,355 by year five, and $7,046/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $251,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.2% |
| Monthly Cash Flow | $(606) | $1,200 |
City averages based on Pilot Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,127 |
| Total Monthly Debt Service | $4,428 |
| DSCR Ratio | 0.93x |
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 2003
5.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95664, Pilot Hill, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 508 (80.8%) |
| Renter Occupied HU | 63 (10.0%) |
| Vacant Housing Units | 58 ( 9.2%) |
| Median Home Value | $847,107 |
| Average Home Value | $824,734 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
22
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
5.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95664, Pilot Hill, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 508 (80.8%) |
| Renter Occupied HU | 63 (10.0%) |
| Vacant Housing Units | 58 ( 9.2%) |
| Median Home Value | $847,107 |
| Average Home Value | $824,734 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226017470