495 Lupin St #16Mammoth LakesCA93546
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Mammoth Lakes rental at 495 Lupin St #16, Mammoth Lakes, CA, 93546 sits in the solid-income band: 9.73% gross yield, $4,614/mo rent, $744/mo net after the $2,559/mo debt service, DSCR 1.80. Entry price of $569,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $157,204 and $5,241/yr in principal reduction bring total cumulative return to $265,181.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.0% |
| Monthly Cash Flow | $744 | $1,500 |
City averages based on Mammoth Lakes market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,614 |
| Total Monthly Debt Service | $3,644 |
| DSCR Ratio | 1.27x |
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.
Townhouse
Built in N/A
N/A lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93546, Mammoth Lakes, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,126 (100%) |
| Owner Occupied HU | 1,980 (17.8%) |
| Renter Occupied HU | 1,743 (15.7%) |
| Vacant Housing Units | 7,403 (66.5%) |
| Median Home Value | $711,207 |
| Average Home Value | $798,904 |
Housing Distribution
Address Breakdown
Residential
394
Single Family
394
Multi-Family
0
Businesses
451
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
Townhouse
Built in N/A
N/A lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93546, Mammoth Lakes, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,126 (100%) |
| Owner Occupied HU | 1,980 (17.8%) |
| Renter Occupied HU | 1,743 (15.7%) |
| Vacant Housing Units | 7,403 (66.5%) |
| Median Home Value | $711,207 |
| Average Home Value | $798,904 |
Housing Distribution
Address Breakdown
Residential
394
Single Family
394
Multi-Family
0
Businesses
451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sherry Wishney • The Snowcreek Property Company
Mls Name: MLBOR
Mls Provider:
Mls ID: #250067
Disclaimer: Based on information from the Mammoth Lakes Board of REALTORS (alternatively, from the Mammoth Lakes Board of REALTORS MLS) as of 2025-02-12 12:44:28 PST. This information is deemed reliable, but not verified or guaranteed. Buyer is advised to verify accuracy of all information. We do business in accordance with the federal, state, and local fair housing laws.