9360 Highway 49SonoraCA95370
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 9360 Highway 49, Sonora, CA, 95370 in Sonora at $820,000, 3.5% gross yield, is a market-growth asset. Rental yield 3.5%. The $2,394/mo rent partially funds the $3,687/mo debt service; the core return is the 5%/yr price growth projected to add $226,551 over five years. Ziffy Mortgage's DSCR mortgage (0.65) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $138,563.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 8.0% |
| Monthly Cash Flow | $(2,679) | $1,500 |
City averages based on Sonora market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,394 |
| Total Monthly Debt Service | $4,746 |
| DSCR Ratio | 0.50x |
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.
Single Family
Built in 2001
4.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95370, Sonora, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,030 (100%) |
| Owner Occupied HU | 8,505 (60.6%) |
| Renter Occupied HU | 3,711 (26.5%) |
| Vacant Housing Units | 1,814 (12.9%) |
| Median Home Value | $481,836 |
| Average Home Value | $581,494 |
Housing Distribution
Address Breakdown
Residential
12,056
Single Family
11,235
Multi-Family
821
Businesses
1,270
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 2001
4.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95370, Sonora, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,030 (100%) |
| Owner Occupied HU | 8,505 (60.6%) |
| Renter Occupied HU | 3,711 (26.5%) |
| Vacant Housing Units | 1,814 (12.9%) |
| Median Home Value | $481,836 |
| Average Home Value | $581,494 |
Housing Distribution
Address Breakdown
Residential
12,056
Single Family
11,235
Multi-Family
821
Businesses
1,270
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41127062