19009 Swallow WayPenn ValleyCA95946
INVESTMENT ANALYSIS
Investment Verdict
Solid Income19009 Swallow Way, Penn Valley, CA, 95946 in Penn Valley is a solid income-producing rental, 8.63% gross yield, $3,277/mo rent, $459/mo net cash flow on a $455,500 buy. DSCR 1.60 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $125,846 and $4,195/yr in principal reduction project a total cumulative return of $202,278.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 8.0% |
| Monthly Cash Flow | $459 | $250 |
City averages based on Penn Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,277 |
| Total Monthly Debt Service | $2,637 |
| DSCR Ratio | 1.24x |
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.
Single Family
Built in 1979
0.27 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
Single Family
Built in 1979
0.27 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: Jan Wilson • RE/MAX Gold
Mls Name: MetroList Services of CA
Mls ID: #225088946