5928 Oak DrIoneCA95640
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 5928 Oak Dr, Ione, CA, 95640 in Ione deserves attention. This $206,000 property earns $2,708/mo in rent, a 15.78% gross yield, and nets $1,199/mo after the $926/mo payment. DSCR 2.92 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $56,914 compounds alongside $1,897/yr in yearly equity build, for a total cumulative return of $156,277.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.8% | 5.0% |
| Monthly Cash Flow | $1,199 | $1,500 |
City averages based on Ione market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,708 |
| Total Monthly Debt Service | $1,427 |
| DSCR Ratio | 1.90x |
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 1989
3,319 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
Manufactured
Built in 1989
3,319 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: Neeta Patel • Vista Sotheby's International Realty
Mls Name: MetroList Services of CA
Mls ID: #225064927