4781 Bluebird LnEl DoradoCA95623
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4781 Bluebird Ln, El Dorado, CA, 95623 in El Dorado at $415,000 earns $2,666/mo in rent and nets $99/mo after the $1,866/mo payment, a 7.71% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $114,657 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $3,822/yr in principal paydown, total projected return reaches $163,707.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $99 | $300 |
City averages based on El Dorado market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,666 |
| Total Monthly Debt Service | $2,402 |
| DSCR Ratio | 1.11x |
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
0.39 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 1976
0.39 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: Faith Pace • RE/MAX Gold El Dorado Hills
Mls Name: MetroList Services of CA
Mls ID: #225057363