1653 Gold Rush WayPenrynCA95663
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1653 Gold Rush Way, Penryn, CA, 95663 in Penryn. Rental yield 3.94%. At $1,169,900 with 3.94% gross yield, current distributions are modest, but the 5% appreciation rate projects $323,222 in new equity by year five, complemented by $10,775/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.73) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $224,865.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.0% |
| Monthly Cash Flow | $(3,398) | $300 |
City averages based on Penryn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,839 |
| Total Monthly Debt Service | $6,772 |
| DSCR Ratio | 0.57x |
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 1976
2.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95663, Penryn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,182 (100%) |
| Owner Occupied HU | 948 (80.2%) |
| Renter Occupied HU | 176 (14.9%) |
| Vacant Housing Units | 58 ( 4.9%) |
| Median Home Value | $911,836 |
| Average Home Value | $987,060 |
Housing Distribution
Address Breakdown
Residential
966
Single Family
962
Multi-Family
4
Businesses
82
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 1976
2.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95663, Penryn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,182 (100%) |
| Owner Occupied HU | 948 (80.2%) |
| Renter Occupied HU | 176 (14.9%) |
| Vacant Housing Units | 58 ( 4.9%) |
| Median Home Value | $911,836 |
| Average Home Value | $987,060 |
Housing Distribution
Address Breakdown
Residential
966
Single Family
962
Multi-Family
4
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anthony Scarpelli • Better Homes and Gardens RE
Mls Name: MetroList Services of CA
Mls ID: #225092832