9110 Hidden Valley RdMountain RanchCA95246
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 9110 Hidden Valley Rd, Mountain Ranch, CA, 95246 in Mountain Ranch worth modelling. At $319,500 with a 7.44% gross yield, the $1,980/mo rent leaves $4/mo after the $1,437/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.38 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $88,272 by year five; $2,943/yr in principal reduction adds further equity. Total projected return: $121,379.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $4 | $300 |
City averages based on Mountain Ranch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $1,849 |
| DSCR Ratio | 1.07x |
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 2004
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95246, Mountain Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 768 (100%) |
| Owner Occupied HU | 444 (57.8%) |
| Renter Occupied HU | 107 (13.9%) |
| Vacant Housing Units | 217 (28.3%) |
| Median Home Value | $481,416 |
| Average Home Value | $520,653 |
Housing Distribution
Address Breakdown
Residential
473
Single Family
473
Multi-Family
0
Businesses
24
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 2004
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95246, Mountain Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 768 (100%) |
| Owner Occupied HU | 444 (57.8%) |
| Renter Occupied HU | 107 (13.9%) |
| Vacant Housing Units | 217 (28.3%) |
| Median Home Value | $481,416 |
| Average Home Value | $520,653 |
Housing Distribution
Address Breakdown
Residential
473
Single Family
473
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ellen Amundsen • C-21 Tri-Dam Realty
Mls Name: CCARMLS
Mls ID: #202500998
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.