76620 Freedom Ranch RdPortolaCA96122
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 76620 Freedom Ranch Rd, Portola, CA, 96122 in Portola at $1,200,000, 1.94% gross yield, is a market-growth asset. Rental yield 1.94%. The $1,939/mo rent partially funds the $5,396/mo debt service; the core return is the 5%/yr price growth projected to add $331,538 over five years. Ziffy Mortgage's DSCR mortgage (0.36) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $102,065.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.0% |
| Monthly Cash Flow | $(5,484) | $1,300 |
City averages based on Portola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,939 |
| Total Monthly Debt Service | $6,946 |
| DSCR Ratio | 0.28x |
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.
Manufactured
Built in 1978
16.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96122, Portola, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,597 (100%) |
| Owner Occupied HU | 1,289 (49.6%) |
| Renter Occupied HU | 590 (22.7%) |
| Vacant Housing Units | 718 (27.6%) |
| Median Home Value | $376,944 |
| Average Home Value | $444,777 |
Housing Distribution
Address Breakdown
Residential
1,462
Single Family
1,370
Multi-Family
92
Businesses
186
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 1978
16.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96122, Portola, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,597 (100%) |
| Owner Occupied HU | 1,289 (49.6%) |
| Renter Occupied HU | 590 (22.7%) |
| Vacant Housing Units | 718 (27.6%) |
| Median Home Value | $376,944 |
| Average Home Value | $444,777 |
Housing Distribution
Address Breakdown
Residential
1,462
Single Family
1,370
Multi-Family
92
Businesses
186
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices