LOT 6 Ridge RdTwain HarteCA95383
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at LOT 6 Ridge Rd, Twain Harte, CA, 95383 in Twain Harte speaks for itself: 12.95% gross on a $139,000 price, generating $1,500/mo in rent and $640/mo in net income after the $625/mo debt service. DSCR 2.40, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,681 stacks alongside $38,403 in projected five-year appreciation and $1,280/yr in principal reduction. Projected total cumulative return: $93,920.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 6.5% |
| Monthly Cash Flow | $640 | $1,200 |
City averages based on Twain Harte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $805 |
| DSCR Ratio | 1.86x |
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.
Multi Family
Built in N/A
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95383, Twain Harte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,734 (100%) |
| Owner Occupied HU | 1,536 (41.1%) |
| Renter Occupied HU | 424 (11.4%) |
| Vacant Housing Units | 1,774 (47.5%) |
| Median Home Value | $528,571 |
| Average Home Value | $541,423 |
Housing Distribution
Address Breakdown
Residential
1,498
Single Family
1,498
Multi-Family
0
Businesses
121
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
Multi Family
Built in N/A
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95383, Twain Harte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,734 (100%) |
| Owner Occupied HU | 1,536 (41.1%) |
| Renter Occupied HU | 424 (11.4%) |
| Vacant Housing Units | 1,774 (47.5%) |
| Median Home Value | $528,571 |
| Average Home Value | $541,423 |
Housing Distribution
Address Breakdown
Residential
1,498
Single Family
1,498
Multi-Family
0
Businesses
121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Johnson • Friends Real Estate Services
Mls Name: TCAR MLS
Mls Provider:
Mls ID: #20241083
Disclaimer: Copyright Tuolumne County Association of REALTORS, Inc., all rights reserved. Information is deemed reliable but not guaranteed.