15550 Otsego StEncinoCA91436
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 15550 Otsego St, Encino, CA, 91436 in Encino is capital appreciation. Rental yield 4.14%. The 4.14% gross yield at $1,199,999 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $331,538 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.77) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $243,700.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 4.5% |
| Monthly Cash Flow | $(3,283) | $300 |
City averages based on Encino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,140 |
| Total Monthly Debt Service | $6,946 |
| DSCR Ratio | 0.60x |
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 1959
5,307 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91436, Encino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,481 (100%) |
| Owner Occupied HU | 4,602 (71.0%) |
| Renter Occupied HU | 1,534 (23.7%) |
| Vacant Housing Units | 345 ( 5.3%) |
| Median Home Value | $1,810,142 |
| Average Home Value | $1,718,705 |
Housing Distribution
Address Breakdown
Residential
5,830
Single Family
5,192
Multi-Family
638
Businesses
1,554
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 1959
5,307 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91436, Encino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,481 (100%) |
| Owner Occupied HU | 4,602 (71.0%) |
| Renter Occupied HU | 1,534 (23.7%) |
| Vacant Housing Units | 345 ( 5.3%) |
| Median Home Value | $1,810,142 |
| Average Home Value | $1,718,705 |
Housing Distribution
Address Breakdown
Residential
5,830
Single Family
5,192
Multi-Family
638
Businesses
1,554
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Glickman • Represented By
Mls Name: CRMLS
Mls ID: #SR26023142