654 Woods RdPlacervilleCO81430
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play654 Woods Rd, Placerville, CO, 81430 in Placerville is priced for appreciation, not yield. Rental yield 2.49%. At $1,345,000 with a 2.49% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $371,599 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.46) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $183,279.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 7.0% |
| Monthly Cash Flow | $(5,045) | $300 |
City averages based on Placerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,794 |
| Total Monthly Debt Service | $7,303 |
| DSCR Ratio | 0.38x |
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 1982
10.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81430, Placerville, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 558 (100%) |
| Owner Occupied HU | 246 (44.1%) |
| Renter Occupied HU | 84 (15.1%) |
| Vacant Housing Units | 228 (40.9%) |
| Median Home Value | $925,000 |
| Average Home Value | $1,215,346 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
14
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 1982
10.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81430, Placerville, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 558 (100%) |
| Owner Occupied HU | 246 (44.1%) |
| Renter Occupied HU | 84 (15.1%) |
| Vacant Housing Units | 228 (40.9%) |
| Median Home Value | $925,000 |
| Average Home Value | $1,215,346 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Josh Rapaport • Rapaport Real Estate
Mls Name: TRIDEMLS
Mls ID: #43842