4746 Carstens RdMidpinesCA95345
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 4746 Carstens Rd, Midpines, CA, 95345 in Midpines offers a clean, manageable entry. Rental yield 7.53%. DSCR 1.39 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $105,788 in additional property value over five years, with $3,527/yr in principal equity building ownership stake. Total projected cumulative return: $143,434.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 8.0% |
| Monthly Cash Flow | $(31) | $2,500 |
City averages based on Midpines market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,402 |
| Total Monthly Debt Service | $2,281 |
| DSCR Ratio | 1.05x |
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 1976
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95345, Midpines, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 485 (100%) |
| Owner Occupied HU | 248 (51.1%) |
| Renter Occupied HU | 123 (25.4%) |
| Vacant Housing Units | 114 (23.5%) |
| Median Home Value | $384,783 |
| Average Home Value | $425,181 |
Housing Distribution
Address Breakdown
Residential
181
Single Family
181
Multi-Family
0
Businesses
9
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 1976
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95345, Midpines, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 485 (100%) |
| Owner Occupied HU | 248 (51.1%) |
| Renter Occupied HU | 123 (25.4%) |
| Vacant Housing Units | 114 (23.5%) |
| Median Home Value | $384,783 |
| Average Home Value | $425,181 |
Housing Distribution
Address Breakdown
Residential
181
Single Family
181
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A