6029 Penela WayEl Dorado HillsCA95762
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 6029 Penela Way, El Dorado Hills, CA, 95762 in El Dorado Hills aligned with their strategy. Rental yield 7.72%. DSCR 1.43 and 7.72% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $11,743/yr in paydown build toward a projected cumulative return of $476,853.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $(133) | $350 |
City averages based on El Dorado Hills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,201 |
| Total Monthly Debt Service | $7,827 |
| DSCR Ratio | 1.05x |
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 2003
0.30 Acres lot
$N/A/sqft
$278 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95762, El Dorado Hills, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,705 (100%) |
| Owner Occupied HU | 16,315 (82.8%) |
| Renter Occupied HU | 2,628 (13.3%) |
| Vacant Housing Units | 762 ( 3.9%) |
| Median Home Value | $897,383 |
| Average Home Value | $1,030,046 |
Housing Distribution
Address Breakdown
Residential
18,350
Single Family
16,916
Multi-Family
1,434
Businesses
1,201
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 2003
0.30 Acres lot
$N/A/sqft
$278 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95762, El Dorado Hills, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,705 (100%) |
| Owner Occupied HU | 16,315 (82.8%) |
| Renter Occupied HU | 2,628 (13.3%) |
| Vacant Housing Units | 762 ( 3.9%) |
| Median Home Value | $897,383 |
| Average Home Value | $1,030,046 |
Housing Distribution
Address Breakdown
Residential
18,350
Single Family
16,916
Multi-Family
1,434
Businesses
1,201
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices