74800 Cottontail CtThousand PalmsCA92276
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 74800 Cottontail Ct, Thousand Palms, CA, 92276 in Thousand Palms. Priced at $354,900, it generates $4,716/mo in gross rent and $2,132/mo in net monthly cash flow, a 15.95% yield that comfortably supports the 2.95 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $25,585. Five-year appreciation: $98,052. Equity from principal paydown: $3,269/yr. Total projected cumulative return: $273,500.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16% | 8.0% |
| Monthly Cash Flow | $2,132 | $300 |
City averages based on Thousand Palms market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,716 |
| Total Monthly Debt Service | $2,443 |
| DSCR Ratio | 1.93x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Manufactured
Built in 2006
8,712 sqft lot
$N/A/sqft
$363 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92276, Thousand Palms, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,724 (100%) |
| Owner Occupied HU | 2,144 (57.6%) |
| Renter Occupied HU | 721 (19.4%) |
| Vacant Housing Units | 859 (23.1%) |
| Median Home Value | $258,036 |
| Average Home Value | $312,063 |
Housing Distribution
Address Breakdown
Residential
3,461
Single Family
3,381
Multi-Family
80
Businesses
267
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
Manufactured
Built in 2006
8,712 sqft lot
$N/A/sqft
$363 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92276, Thousand Palms, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,724 (100%) |
| Owner Occupied HU | 2,144 (57.6%) |
| Renter Occupied HU | 721 (19.4%) |
| Vacant Housing Units | 859 (23.1%) |
| Median Home Value | $258,036 |
| Average Home Value | $312,063 |
Housing Distribution
Address Breakdown
Residential
3,461
Single Family
3,381
Multi-Family
80
Businesses
267
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices