0 Montezuma Valley RdRanchitaCA92066
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 0 Montezuma Valley Rd, Ranchita, CA, 92066 in Ranchita deserves attention. This $190,000 property earns $4,297/mo in rent, a 27.14% gross yield, and nets $3,122/mo after the $854/mo payment. DSCR 5.03 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $52,494 compounds alongside $1,750/yr in yearly equity build, for a total cumulative return of $272,955.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 27.1% | 5.0% |
| Monthly Cash Flow | $3,122 | $500 |
City averages based on Ranchita market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,297 |
| Total Monthly Debt Service | $1,100 |
| DSCR Ratio | 3.91x |
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.
Lot
Built in N/A
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92066, Ranchita, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 224 (100%) |
| Owner Occupied HU | 123 (54.9%) |
| Renter Occupied HU | 42 (18.7%) |
| Vacant Housing Units | 59 (26.3%) |
| Median Home Value | $356,897 |
| Average Home Value | $476,789 |
Housing Distribution
Address Breakdown
Residential
162
Single Family
162
Multi-Family
0
Businesses
1
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
Lot
Built in N/A
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92066, Ranchita, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 224 (100%) |
| Owner Occupied HU | 123 (54.9%) |
| Renter Occupied HU | 42 (18.7%) |
| Vacant Housing Units | 59 (26.3%) |
| Median Home Value | $356,897 |
| Average Home Value | $476,789 |
Housing Distribution
Address Breakdown
Residential
162
Single Family
162
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices