16970 Southridge DrPenn ValleyCA95946
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow16970 Southridge Dr, Penn Valley, CA, 95946 in Penn Valley is a top-tier cash-flow asset. At $115,000 it produces $2,021/mo in rent and $1,287/mo in net monthly income, a 21.09% gross rental yield. The DSCR of 3.91 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $15,449. Five-year appreciation adds $31,772, driving a total cumulative return of $126,599.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.1% | 8.0% |
| Monthly Cash Flow | $1,287 | $250 |
City averages based on Penn Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,021 |
| Total Monthly Debt Service | $688 |
| DSCR Ratio | 2.94x |
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.
Lot
Built in N/A
5.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95946, Penn Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,670 (100%) |
| Owner Occupied HU | 3,429 (73.4%) |
| Renter Occupied HU | 659 (14.1%) |
| Vacant Housing Units | 582 (12.5%) |
| Median Home Value | $637,879 |
| Average Home Value | $722,717 |
Housing Distribution
Address Breakdown
Residential
4,313
Single Family
4,313
Multi-Family
0
Businesses
189
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
Lot
Built in N/A
5.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95946, Penn Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,670 (100%) |
| Owner Occupied HU | 3,429 (73.4%) |
| Renter Occupied HU | 659 (14.1%) |
| Vacant Housing Units | 582 (12.5%) |
| Median Home Value | $637,879 |
| Average Home Value | $722,717 |
Housing Distribution
Address Breakdown
Residential
4,313
Single Family
4,313
Multi-Family
0
Businesses
189
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cami Beckerdite • Nevada Co. Homes & Lifestyle
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224043703
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.