677 David CirPlacervilleCA95667
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder677 David Cir, Placerville, CA, 95667 in Placerville is a stable, well-positioned rental at $405,000. Rental yield 7.1%. DSCR 1.32 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $111,894 in value and $3,730/yr in principal paydown builds equity, a total projected return of $125,671.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.0% |
| Monthly Cash Flow | $(458) | $300 |
City averages based on Placerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,398 |
| Total Monthly Debt Service | $2,694 |
| DSCR Ratio | 0.89x |
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.
Townhouse
Built in 1989
2,614 sqft lot
$N/A/sqft
$350 monthly HOA
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
Townhouse
Built in 1989
2,614 sqft lot
$N/A/sqft
$350 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Myles Goudreau • Newpoint Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225038929
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