642 Pomeroy CtEl Dorado HillsCA95762
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 642 Pomeroy Ct, El Dorado Hills, CA, 95762 in El Dorado Hills fits: $1,129,999, 5.09% gross yield, and a projected 5% annual appreciation rate adding $312,198 in value within five years. Rental yield 5.09%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.94) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,407/yr in principal paydown and $312,198 in appreciation project a total return of $248,386.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(2,841) | $350 |
City averages based on El Dorado Hills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,790 |
| Total Monthly Debt Service | $7,182 |
| DSCR Ratio | 0.67x |
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 2021
6,970 sqft lot
$N/A/sqft
$245 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 2021
6,970 sqft lot
$N/A/sqft
$245 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
Listed by: Kimberly Parlett • BHHS NorCal Real Estate
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225008654
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.