744 Chapel LnTahoe CityCA96145
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 744 Chapel Ln, Tahoe City, CA, 96145 in Tahoe City fits: $1,475,000, 5.03% gross yield, and a projected 5% annual appreciation rate adding $407,515 in value within five years. Rental yield 5.03%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.93) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,585/yr in principal paydown and $407,515 in appreciation project a total return of $370,159.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.0% |
| Monthly Cash Flow | $(2,939) | $300 |
City averages based on Tahoe City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,186 |
| Total Monthly Debt Service | $8,538 |
| DSCR Ratio | 0.72x |
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 1970
10,846 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96145, Tahoe City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,765 (100%) |
| Owner Occupied HU | 884 (18.6%) |
| Renter Occupied HU | 511 (10.7%) |
| Vacant Housing Units | 3,370 (70.7%) |
| Median Home Value | $971,821 |
| Average Home Value | $1,153,903 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
356
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 1970
10,846 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96145, Tahoe City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,765 (100%) |
| Owner Occupied HU | 884 (18.6%) |
| Renter Occupied HU | 511 (10.7%) |
| Vacant Housing Units | 3,370 (70.7%) |
| Median Home Value | $971,821 |
| Average Home Value | $1,153,903 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
356
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Linda Granger • Christie's Int'l R.E. Sereno
Mls Name: TSMLS
Mls Provider:
Mls ID: #20251200
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