490 Ponderosa WayColfaxCA95713
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 490 Ponderosa Way, Colfax, CA, 95713 in Colfax offers a clean, manageable entry. Rental yield 7.14%. DSCR 1.32 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $150,573 in additional property value over five years, with $5,020/yr in principal equity building ownership stake. Total projected cumulative return: $198,488.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.0% |
| Monthly Cash Flow | $(128) | $1,200 |
City averages based on Colfax market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,244 |
| Total Monthly Debt Service | $3,155 |
| DSCR Ratio | 1.03x |
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 1911
6.10 Acres lot
$N/A/sqft
No 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 1911
6.10 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Calvin Kulas • The Kulas Realty Group
Mls Name: MetroList Services of CA
Mls ID: #225117203