4975 Papya RdForest RanchCA95942
INVESTMENT ANALYSIS
Investment Verdict
Solid Income4975 Papya Rd, Forest Ranch, CA, 95942 in Forest Ranch is a solid income-producing rental, 9.96% gross yield, $1,619/mo rent, $412/mo net cash flow on a $195,000 buy. DSCR 1.85 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $53,875 and $1,796/yr in principal reduction project a total cumulative return of $100,537.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $412 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,619 |
| Total Monthly Debt Service | $1,129 |
| DSCR Ratio | 1.43x |
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 1982
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95942, Forest Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 972 (100%) |
| Owner Occupied HU | 559 (57.5%) |
| Renter Occupied HU | 88 ( 9.1%) |
| Vacant Housing Units | 325 (33.4%) |
| Median Home Value | $663,504 |
| Average Home Value | $659,101 |
Housing Distribution
Address Breakdown
Residential
244
Single Family
244
Multi-Family
0
Businesses
38
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 1982
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95942, Forest Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 972 (100%) |
| Owner Occupied HU | 559 (57.5%) |
| Renter Occupied HU | 88 ( 9.1%) |
| Vacant Housing Units | 325 (33.4%) |
| Median Home Value | $663,504 |
| Average Home Value | $659,101 |
Housing Distribution
Address Breakdown
Residential
244
Single Family
244
Multi-Family
0
Businesses
38
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