8040 Mill RunPollock PinesCA95726
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Pollock Pines rental at 8040 Mill Run, Pollock Pines, CA, 95726 sits in the solid-income band: 8.53% gross yield, $3,197/mo rent, $414/mo net after the $2,023/mo debt service, DSCR 1.58. Entry price of $449,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $124,299 and $4,144/yr in principal reduction bring total cumulative return to $197,235.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $414 | $250 |
City averages based on Pollock Pines market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,197 |
| Total Monthly Debt Service | $2,604 |
| DSCR Ratio | 1.23x |
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.
Single Family
Built in 1978
1.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95726, Pollock Pines, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,541 (100%) |
| Owner Occupied HU | 2,984 (65.7%) |
| Renter Occupied HU | 644 (14.2%) |
| Vacant Housing Units | 913 (20.1%) |
| Median Home Value | $575,419 |
| Average Home Value | $635,433 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,954
Multi-Family
29
Businesses
148
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 1978
1.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95726, Pollock Pines, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,541 (100%) |
| Owner Occupied HU | 2,984 (65.7%) |
| Renter Occupied HU | 644 (14.2%) |
| Vacant Housing Units | 913 (20.1%) |
| Median Home Value | $575,419 |
| Average Home Value | $635,433 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,954
Multi-Family
29
Businesses
148
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alisa Morar • eXp of Northern California
Mls Name: MetroList Services of CA
Mls ID: #225120840