787 E Lorca StreetMountain HouseCA95391
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 787 E Lorca Street, Mountain House, CA, 95391 in Mountain House. Rental yield 4.45%. At $1,075,463 with 4.45% gross yield, current distributions are modest, but the 5% appreciation rate projects $297,131 in new equity by year five, complemented by $9,905/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.82) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $236,286.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.2% |
| Monthly Cash Flow | $(2,665) | $300 |
City averages based on Mountain House market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,988 |
| Total Monthly Debt Service | $6,225 |
| DSCR Ratio | 0.64x |
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 2025
4,795 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95391, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,774 (100%) |
| Owner Occupied HU | 6,304 (71.8%) |
| Renter Occupied HU | 1,832 (20.9%) |
| Vacant Housing Units | 638 ( 7.3%) |
| Median Home Value | $849,163 |
| Average Home Value | $881,315 |
Housing Distribution
Address Breakdown
Residential
8,067
Single Family
8,067
Multi-Family
0
Businesses
52
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 2025
4,795 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95391, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,774 (100%) |
| Owner Occupied HU | 6,304 (71.8%) |
| Renter Occupied HU | 1,832 (20.9%) |
| Vacant Housing Units | 638 ( 7.3%) |
| Median Home Value | $849,163 |
| Average Home Value | $881,315 |
Housing Distribution
Address Breakdown
Residential
8,067
Single Family
8,067
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Randy Anderson • Richmond American Homes
Mls Name: BAREIS
Mls ID: #225106455