865 Sequoia CirCopperopolisCA95228
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 865 Sequoia Cir, Copperopolis, CA, 95228 in Copperopolis speaks for itself: 16.68% gross on a $189,900 price, generating $2,640/mo in rent and $1,422/mo in net income after the $854/mo debt service. DSCR 3.09, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $17,067 stacks alongside $52,466 in projected five-year appreciation and $1,749/yr in principal reduction. Projected total cumulative return: $163,710.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.7% | 6.5% |
| Monthly Cash Flow | $1,422 | $200 |
City averages based on Copperopolis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $1,142 |
| DSCR Ratio | 2.31x |
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 1992
3,049 sqft lot
$N/A/sqft
$43 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95228, Copperopolis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,141 (100%) |
| Owner Occupied HU | 1,763 (56.1%) |
| Renter Occupied HU | 358 (11.4%) |
| Vacant Housing Units | 1,020 (32.5%) |
| Median Home Value | $528,036 |
| Average Home Value | $594,377 |
Housing Distribution
Address Breakdown
Residential
2,245
Single Family
2,117
Multi-Family
128
Businesses
161
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 1992
3,049 sqft lot
$N/A/sqft
$43 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95228, Copperopolis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,141 (100%) |
| Owner Occupied HU | 1,763 (56.1%) |
| Renter Occupied HU | 358 (11.4%) |
| Vacant Housing Units | 1,020 (32.5%) |
| Median Home Value | $528,036 |
| Average Home Value | $594,377 |
Housing Distribution
Address Breakdown
Residential
2,245
Single Family
2,117
Multi-Family
128
Businesses
161
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices