17 Stream StLaguna NiguelCA92677
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play17 Stream St, Laguna Niguel, CA, 92677 in Laguna Niguel is priced for appreciation, not yield. Rental yield 5.76%. At $1,099,000 with a 5.76% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $303,633 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.07) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $318,871.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.2% |
| Monthly Cash Flow | $(1,521) | $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 | $5,278 |
| Total Monthly Debt Service | $6,361 |
| DSCR Ratio | 0.83x |
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 1986
3,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92677, Laguna Niguel, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,799 (100%) |
| Owner Occupied HU | 17,376 (62.5%) |
| Renter Occupied HU | 8,401 (30.2%) |
| Vacant Housing Units | 2,022 ( 7.3%) |
| Median Home Value | $1,303,303 |
| Average Home Value | $1,369,563 |
Housing Distribution
Address Breakdown
Residential
26,860
Single Family
23,448
Multi-Family
3,412
Businesses
1,106
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 1986
3,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92677, Laguna Niguel, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,799 (100%) |
| Owner Occupied HU | 17,376 (62.5%) |
| Renter Occupied HU | 8,401 (30.2%) |
| Vacant Housing Units | 2,022 ( 7.3%) |
| Median Home Value | $1,303,303 |
| Average Home Value | $1,369,563 |
Housing Distribution
Address Breakdown
Residential
26,860
Single Family
23,448
Multi-Family
3,412
Businesses
1,106
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mina Whitlock • Dynasty Real Estate
Mls Name: CRMLS
Mls ID: #OC25218982