784 Mindoro CtEl Dorado HillsCA95762
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 784 Mindoro Ct, El Dorado Hills, CA, 95762 in El Dorado Hills is capital appreciation. Rental yield 5.79%. The 5.79% gross yield at $919,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $253,903 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.07) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $241,920.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.0% |
| Monthly Cash Flow | $(1,686) | $350 |
City averages based on El Dorado Hills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,433 |
| Total Monthly Debt Service | $5,753 |
| DSCR Ratio | 0.77x |
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 2019
6,098 sqft lot
$N/A/sqft
$234 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95762, El Dorado Hills, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,705 (100%) |
| Owner Occupied HU | 16,315 (82.8%) |
| Renter Occupied HU | 2,628 (13.3%) |
| Vacant Housing Units | 762 ( 3.9%) |
| Median Home Value | $897,383 |
| Average Home Value | $1,030,046 |
Housing Distribution
Address Breakdown
Residential
18,350
Single Family
16,916
Multi-Family
1,434
Businesses
1,201
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 2019
6,098 sqft lot
$N/A/sqft
$234 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95762, El Dorado Hills, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,705 (100%) |
| Owner Occupied HU | 16,315 (82.8%) |
| Renter Occupied HU | 2,628 (13.3%) |
| Vacant Housing Units | 762 ( 3.9%) |
| Median Home Value | $897,383 |
| Average Home Value | $1,030,046 |
Housing Distribution
Address Breakdown
Residential
18,350
Single Family
16,916
Multi-Family
1,434
Businesses
1,201
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Manny Cazares • eXp Realty of California, Inc.
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225035894
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