120 S 7th StShandonCA93461
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 120 S 7th St, Shandon, CA, 93461 in Shandon: $3,815/mo in rent, $666/mo in net income, 8.99% gross yield, 1.67 DSCR, all at $509,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $140,627 in appreciation and $4,688/yr in principal paydown projects total cumulative return of $235,890.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.5% |
| Monthly Cash Flow | $666 | $300 |
City averages based on Shandon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,815 |
| Total Monthly Debt Service | $2,946 |
| DSCR Ratio | 1.29x |
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 2004
8,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93461, Shandon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 523 (100%) |
| Owner Occupied HU | 323 (61.8%) |
| Renter Occupied HU | 147 (28.1%) |
| Vacant Housing Units | 53 (10.1%) |
| Median Home Value | $495,192 |
| Average Home Value | $891,610 |
Housing Distribution
Address Breakdown
Residential
113
Single Family
113
Multi-Family
0
Businesses
33
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 2004
8,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93461, Shandon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 523 (100%) |
| Owner Occupied HU | 323 (61.8%) |
| Renter Occupied HU | 147 (28.1%) |
| Vacant Housing Units | 53 (10.1%) |
| Median Home Value | $495,192 |
| Average Home Value | $891,610 |
Housing Distribution
Address Breakdown
Residential
113
Single Family
113
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Fred Bruen • RE/MAX Parkside Real Estate
Mls Name: CRMLS
Mls ID: #NS26027965