978 Manuel RdArnoldCA95223
INVESTMENT ANALYSIS
Investment Verdict
Solid Income978 Manuel Rd, Arnold, CA, 95223 in Arnold carries a 1.54 coverage ratio, rent of $1,678/mo is 1.54 times the $1,088/mo payment. Rental yield 8.53%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $242,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $66,860; total projected cumulative return: $74,594.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $(258) | $200 |
City averages based on Arnold market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,678 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 0.89x |
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.
Townhouse
Built in 1992
871.20 sqft lot
$N/A/sqft
$390 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95223, Arnold, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,798 (100%) |
| Owner Occupied HU | 1,653 (21.2%) |
| Renter Occupied HU | 357 ( 4.6%) |
| Vacant Housing Units | 5,788 (74.2%) |
| Median Home Value | $580,306 |
| Average Home Value | $609,631 |
Housing Distribution
Address Breakdown
Residential
16
Single Family
16
Multi-Family
0
Businesses
136
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
Townhouse
Built in 1992
871.20 sqft lot
$N/A/sqft
$390 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95223, Arnold, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,798 (100%) |
| Owner Occupied HU | 1,653 (21.2%) |
| Renter Occupied HU | 357 ( 4.6%) |
| Vacant Housing Units | 5,788 (74.2%) |
| Median Home Value | $580,306 |
| Average Home Value | $609,631 |
Housing Distribution
Address Breakdown
Residential
16
Single Family
16
Multi-Family
0
Businesses
136
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Toby Jordan • Cedar Creek Realty
Mls Name: CCARMLS
Mls ID: #202500763
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.