5644 Jackson CtIoneCA95640
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 5644 Jackson Ct, Ione, CA, 95640 in Ione is the 1.55 coverage ratio: rent of $1,649/mo versus a $1,066/mo debt payment on a $237,000 property. Rental yield 8.35%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $65,479 by year five, with $2,183/yr in equity from paydown. Total projected cumulative return: $87,509.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.0% |
| Monthly Cash Flow | $(52) | $1,500 |
City averages based on Ione market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,649 |
| Total Monthly Debt Service | $1,607 |
| 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 1987
5,232 sqft lot
$N/A/sqft
$235 monthly 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
Single Family
Built in 1987
5,232 sqft lot
$N/A/sqft
$235 monthly 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: Casie Fuentes • Davenport Properties
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225083393
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