20020 Clear River Ln #40Yorba LindaCA92886
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 20020 Clear River Ln #40, Yorba Linda, CA, 92886 in Yorba Linda is narrow, $8/mo net on $4,183/mo rent after the $3,035/mo debt service, but the property operates at break-even-plus, not a loss. At $675,000 with a 7.44% yield, the long-run equity case via 5% appreciation ($186,490 over five years) and $6,217/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $256,464.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.5% |
| Monthly Cash Flow | $8 | $350 |
City averages based on Yorba Linda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,183 |
| Total Monthly Debt Service | $3,907 |
| DSCR Ratio | 1.07x |
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.
Condo
Built in 1979
5.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92886, Yorba Linda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,344 (100%) |
| Owner Occupied HU | 13,942 (80.4%) |
| Renter Occupied HU | 2,890 (16.7%) |
| Vacant Housing Units | 512 ( 3.0%) |
| Median Home Value | $1,289,674 |
| Average Home Value | $1,350,761 |
Housing Distribution
Address Breakdown
Residential
17,473
Single Family
16,818
Multi-Family
655
Businesses
690
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
Condo
Built in 1979
5.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92886, Yorba Linda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,344 (100%) |
| Owner Occupied HU | 13,942 (80.4%) |
| Renter Occupied HU | 2,890 (16.7%) |
| Vacant Housing Units | 512 ( 3.0%) |
| Median Home Value | $1,289,674 |
| Average Home Value | $1,350,761 |
Housing Distribution
Address Breakdown
Residential
17,473
Single Family
16,818
Multi-Family
655
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Hopp • First Team Real Estate
Mls Name: CRMLS
Mls ID: #PW25198809