14550 Valley Ford Estero RdValley FordCA94972
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.12% gross rental yield, 14550 Valley Ford Estero Rd, Valley Ford, CA, 94972 in Valley Ford is priced for capital growth, not immediate cash flow. The $1,495,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $413,041 by year five, with $13,769/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.58) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $222,239.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.2% |
| Monthly Cash Flow | $(5,356) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,893 |
| Total Monthly Debt Service | $8,654 |
| DSCR Ratio | 0.45x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1900
29.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94972, Valley Ford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29 (100%) |
| Owner Occupied HU | 17 (58.6%) |
| Renter Occupied HU | 7 (24.1%) |
| Vacant Housing Units | 5 (17.2%) |
| Median Home Value | $1,178,571 |
| Average Home Value | $1,264,706 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
19
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 1900
29.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94972, Valley Ford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29 (100%) |
| Owner Occupied HU | 17 (58.6%) |
| Renter Occupied HU | 7 (24.1%) |
| Vacant Housing Units | 5 (17.2%) |
| Median Home Value | $1,178,571 |
| Average Home Value | $1,264,706 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andy Pickering • California Outdoor Properties, Inc.
Mls Name: MLSListings Inc
Mls ID: #ML82019496