19119 John Born RdPenn ValleyCA95946
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 19119 John Born Rd, Penn Valley, CA, 95946 in Penn Valley earns a 8.19% gross yield at $469,000. Rent of $3,203/mo nets $301/mo after the $2,109/mo mortgage. The 1.52 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $129,576 and $4,320/yr in equity accumulation project a total cumulative return of $197,279.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 8.0% |
| Monthly Cash Flow | $301 | $250 |
City averages based on Penn Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,203 |
| Total Monthly Debt Service | $2,715 |
| DSCR Ratio | 1.18x |
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 1977
2.50 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 1977
2.50 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: Justin Auld • RE/MAX Gold
Mls Name: MetroList Services of CA
Mls ID: #225092669