Stinson Plan, TrestleWaterfordCA95386
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find Stinson Plan, Trestle, Waterford, CA, 95386 in Waterford worth modelling. At $494,490 with a 7.8% gross yield, the $3,216/mo rent leaves $157/mo after the $2,224/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.45 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $136,618 by year five; $4,554/yr in principal reduction adds further equity. Total projected return: $197,610.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $157 | $250 |
City averages based on Waterford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,216 |
| Total Monthly Debt Service | $2,862 |
| DSCR Ratio | 1.12x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95386, Waterford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,538 (100%) |
| Owner Occupied HU | 2,298 (65.0%) |
| Renter Occupied HU | 1,124 (31.8%) |
| Vacant Housing Units | 116 ( 3.3%) |
| Median Home Value | $468,277 |
| Average Home Value | $559,281 |
Housing Distribution
Address Breakdown
Residential
3,245
Single Family
3,106
Multi-Family
139
Businesses
216
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95386, Waterford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,538 (100%) |
| Owner Occupied HU | 2,298 (65.0%) |
| Renter Occupied HU | 1,124 (31.8%) |
| Vacant Housing Units | 116 ( 3.3%) |
| Median Home Value | $468,277 |
| Average Home Value | $559,281 |
Housing Distribution
Address Breakdown
Residential
3,245
Single Family
3,106
Multi-Family
139
Businesses
216
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • D.R. Horton
Mls Name: DR Horton
Mls Provider:
Mls ID: #N/A