8936 Pine StThorntonCA95686
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingRental yield 6.9%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $118,787, and $3,960/yr in principal equity projects total return of $151,048.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.5% |
| Monthly Cash Flow | $(187) | $1,200 |
City averages based on Thornton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,473 |
| Total Monthly Debt Service | $2,489 |
| DSCR Ratio | 0.99x |
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.
Manufactured
Built in 1999
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95686, Thornton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 482 (100%) |
| Owner Occupied HU | 246 (51.0%) |
| Renter Occupied HU | 190 (39.4%) |
| Vacant Housing Units | 46 ( 9.5%) |
| Median Home Value | $661,111 |
| Average Home Value | $743,577 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
25
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 1999
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95686, Thornton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 482 (100%) |
| Owner Occupied HU | 246 (51.0%) |
| Renter Occupied HU | 190 (39.4%) |
| Vacant Housing Units | 46 ( 9.5%) |
| Median Home Value | $661,111 |
| Average Home Value | $743,577 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Frank Silveria • Keller Williams Central Valley
Mls Name: MetroList Services of CA
Mls ID: #226003411