892 Morado CirCopperopolisCA95228
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 892 Morado Cir, Copperopolis, CA, 95228 in Copperopolis: $1,324/mo in rent, $242/mo in net income, 9.08% gross yield, 1.68 DSCR, all at $174,960. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $48,338 in appreciation and $1,611/yr in principal paydown projects total cumulative return of $81,920.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $242 | $200 |
City averages based on Copperopolis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,324 |
| Total Monthly Debt Service | $1,013 |
| DSCR Ratio | 1.31x |
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.
Manufactured
Built in 1987
4,356 sqft lot
$N/A/sqft
No 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
Manufactured
Built in 1987
4,356 sqft lot
$N/A/sqft
No 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
Listed by: Bryan Palomares • Skyhill Properties
Mls Name: CRMLS
Mls ID: #SR25240028