5205 Colorado RdMidpinesCA95345
INVESTMENT ANALYSIS
Investment Verdict
Solid Income5205 Colorado Rd, Midpines, CA, 95345 in Midpines is a solid income-producing rental, 9.69% gross yield, $2,141/mo rent, $486/mo net cash flow on a $265,000 buy. DSCR 1.80 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $73,215 and $2,441/yr in principal reduction project a total cumulative return of $131,851.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 8.0% |
| Monthly Cash Flow | $486 | $2,500 |
City averages based on Midpines market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,141 |
| Total Monthly Debt Service | $1,549 |
| DSCR Ratio | 1.38x |
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 1910
9 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 1910
9 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