6200 Lazy Springs RdPhiloCA95466
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.12% gross rental yield, 6200 Lazy Springs Rd, Philo, CA, 95466 in Philo is priced for capital growth, not immediate cash flow. The $913,800 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $252,466 by year five, with $8,416/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.95) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $233,432.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(1,757) | $300 |
City averages based on Philo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,896 |
| Total Monthly Debt Service | $5,289 |
| DSCR Ratio | 0.74x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95466, Philo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 589 (100%) |
| Owner Occupied HU | 245 (41.6%) |
| Renter Occupied HU | 196 (33.3%) |
| Vacant Housing Units | 148 (25.1%) |
| Median Home Value | $803,571 |
| Average Home Value | $883,969 |
Housing Distribution
Address Breakdown
Residential
69
Single Family
69
Multi-Family
0
Businesses
89
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 N/A
42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95466, Philo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 589 (100%) |
| Owner Occupied HU | 245 (41.6%) |
| Renter Occupied HU | 196 (33.3%) |
| Vacant Housing Units | 148 (25.1%) |
| Median Home Value | $803,571 |
| Average Home Value | $883,969 |
Housing Distribution
Address Breakdown
Residential
69
Single Family
69
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A