USDV Capital
Mountain Ranch real estate

Mountain Ranch

Mountain Ranch, Calaveras County

Median Home Value

$336,550

-7.5%

Vacancy Rate

27.1%

93% owner-occupied

Population

310

Median income: $160,837

D
13/100Caution

Investment ScoreMountain Ranch

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate0.0%
Rent Yield0.0%
Affordability$336,550
Occupancy72.9%
Appreciation-7.5%

Mountain Ranch Investment Analysis

Mountain Ranch is a smaller market (310 residents) with median values at $336,550. Home values have declined 7.5% year-over-year, creating potential buying opportunities for investors with a 2-3 year horizon.

Market Profile
Avg: 28/100
Cash FlowN/A
Appreciation-7.5% YoY
Affordability$337K
Occupancy72.9% occ.
Rent YieldN/A
Employment100.0%

Market Details

Housing Stock

221 units

Single-family: 221

0

Demographics

Median Income $160,837

Median Age 58.1

Employment 100.0%

Home Value Trends

1-Year Appreciation -7.5%

3-Year Appreciation -8.4%

5-Year Appreciation -3.1%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population310

79/sq mi

Median Income$160,837

$67,569 per capita

Employment100.0%

20.6% unemployment

Occupancy72.9%

6.8% renters

College Educated46.8%
Median Age: 58.1221 Housing UnitsMedian Built: 2001
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Property Details

$336,550
$100K$2M
25% ($84,138)
15%50%
7.50%
6%10%
$2,019

Investment Projection

Monthly Cash Flow

-$167

Cash-on-Cash

-2.4%

DSCR Ratio

1.14

Annual Cash Flow

-$1,999

Monthly P&I: $1,765 | Est. Expenses: $421

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Mountain Ranch Investment Report

Comprehensive city market analysis

+12.4%
$485K
8.2%
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Free Investment Report

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Make data-driven investment decisions with our comprehensive city report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Mountain Ranch deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
Get Pre-Qualified
Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
Get Pre-Qualified
Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
Get Pre-Qualified
DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
Get Pre-Qualified

Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
Schedule a Consultation
Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
Schedule a Consultation

Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Mountain Ranch opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000