64 Mill StMammoth LakesCA93546
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 64 Mill St, Mammoth Lakes, CA, 93546 in Mammoth Lakes. Rental yield 5.47%. At $1,139,000 with 5.47% gross yield, current distributions are modest, but the 5% appreciation rate projects $314,685 in new equity by year five, complemented by $10,490/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.01) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $312,674.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.0% |
| Monthly Cash Flow | $(1,852) | $1,500 |
City averages based on Mammoth Lakes market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,194 |
| Total Monthly Debt Service | $6,593 |
| DSCR Ratio | 0.79x |
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 1971
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93546, Mammoth Lakes, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,126 (100%) |
| Owner Occupied HU | 1,980 (17.8%) |
| Renter Occupied HU | 1,743 (15.7%) |
| Vacant Housing Units | 7,403 (66.5%) |
| Median Home Value | $711,207 |
| Average Home Value | $798,904 |
Housing Distribution
Address Breakdown
Residential
394
Single Family
394
Multi-Family
0
Businesses
451
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 1971
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93546, Mammoth Lakes, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,126 (100%) |
| Owner Occupied HU | 1,980 (17.8%) |
| Renter Occupied HU | 1,743 (15.7%) |
| Vacant Housing Units | 7,403 (66.5%) |
| Median Home Value | $711,207 |
| Average Home Value | $798,904 |
Housing Distribution
Address Breakdown
Residential
394
Single Family
394
Multi-Family
0
Businesses
451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sonja Bush • Destination Real Estate
Mls Name: MLBOR
Mls Provider:
Mls ID: #250793
Disclaimer: Based on information from the Mammoth Lakes Board of REALTORS (alternatively, from the Mammoth Lakes Board of REALTORS MLS) as of 2026-02-06 15:19:45 PST. This information is deemed reliable, but not verified or guaranteed. Buyer is advised to verify accuracy of all information. We do business in accordance with the federal, state, and local fair housing laws.