120 Garden CtVallejoCA94591
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 120 Garden Ct, Vallejo, CA, 94591 in Vallejo deserves attention. This $550,000 property earns $5,002/mo in rent, a 10.91% gross yield, and nets $1,599/mo after the $2,473/mo payment. DSCR 2.02 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $151,955 compounds alongside $5,066/yr in yearly equity build, for a total cumulative return of $311,502.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 7.0% |
| Monthly Cash Flow | $1,599 | $1,500 |
City averages based on Vallejo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,002 |
| Total Monthly Debt Service | $3,184 |
| DSCR Ratio | 1.57x |
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 1969
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94591, Vallejo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,849 (100%) |
| Owner Occupied HU | 12,655 (63.8%) |
| Renter Occupied HU | 6,407 (32.3%) |
| Vacant Housing Units | 787 ( 4.0%) |
| Median Home Value | $638,699 |
| Average Home Value | $666,896 |
Housing Distribution
Address Breakdown
Residential
19,903
Single Family
17,098
Multi-Family
2,805
Businesses
739
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 1969
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94591, Vallejo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,849 (100%) |
| Owner Occupied HU | 12,655 (63.8%) |
| Renter Occupied HU | 6,407 (32.3%) |
| Vacant Housing Units | 787 ( 4.0%) |
| Median Home Value | $638,699 |
| Average Home Value | $666,896 |
Housing Distribution
Address Breakdown
Residential
19,903
Single Family
17,098
Multi-Family
2,805
Businesses
739
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices