128 Montego LnSunsetLA70584
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 128 Montego Ln, Sunset, LA, 70584 in Sunset is narrow, $153/mo net on $1,720/mo rent after the $1,138/mo debt service, but the property operates at break-even-plus, not a loss. At $253,000 with a 8.16% yield, the long-run equity case via 5% appreciation ($69,899 over five years) and $2,330/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $105,807.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.0% |
| Monthly Cash Flow | $153 | $1,500 |
City averages based on Sunset market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,720 |
| Total Monthly Debt Service | $1,467 |
| DSCR Ratio | 1.17x |
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 N/A
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70584, Sunset, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,529 (100%) |
| Owner Occupied HU | 2,432 (68.9%) |
| Renter Occupied HU | 744 (21.1%) |
| Vacant Housing Units | 353 (10.0%) |
| Median Home Value | $203,563 |
| Average Home Value | $274,230 |
Housing Distribution
Address Breakdown
Residential
3,030
Single Family
2,913
Multi-Family
117
Businesses
136
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 N/A
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70584, Sunset, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,529 (100%) |
| Owner Occupied HU | 2,432 (68.9%) |
| Renter Occupied HU | 744 (21.1%) |
| Vacant Housing Units | 353 (10.0%) |
| Median Home Value | $203,563 |
| Average Home Value | $274,230 |
Housing Distribution
Address Breakdown
Residential
3,030
Single Family
2,913
Multi-Family
117
Businesses
136
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices