5594 Heritage DrIoneCA95640
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 5594 Heritage Dr, Ione, CA, 95640 in Ione achieves a 1.57 ratio at $239,900: $1,689/mo rent versus $1,079/mo debt service. Rental yield 8.45%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.45% yield compounds alongside 5% annual appreciation projecting $66,280 in value. Total projected cumulative return: $104,181.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.0% |
| Monthly Cash Flow | $(35) | $1,500 |
City averages based on Ione market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,689 |
| Total Monthly Debt Service | $1,389 |
| DSCR Ratio | 1.22x |
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.
Manufactured
Built in 1990
4,099 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95640, Ione, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,166 (100%) |
| Owner Occupied HU | 2,970 (71.3%) |
| Renter Occupied HU | 863 (20.7%) |
| Vacant Housing Units | 333 ( 8.0%) |
| Median Home Value | $486,328 |
| Average Home Value | $526,797 |
Housing Distribution
Address Breakdown
Residential
3,661
Single Family
3,597
Multi-Family
64
Businesses
175
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
Manufactured
Built in 1990
4,099 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95640, Ione, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,166 (100%) |
| Owner Occupied HU | 2,970 (71.3%) |
| Renter Occupied HU | 863 (20.7%) |
| Vacant Housing Units | 333 ( 8.0%) |
| Median Home Value | $486,328 |
| Average Home Value | $526,797 |
Housing Distribution
Address Breakdown
Residential
3,661
Single Family
3,597
Multi-Family
64
Businesses
175
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kylie Windley • Chase International
Mls Name: MetroList Services of CA
Mls ID: #226003304