20261 Big Canyon RdMiddletownCA95461
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 20261 Big Canyon Rd, Middletown, CA, 95461 in Middletown is capital appreciation. Rental yield 4.81%. The 4.81% gross yield at $599,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $165,493 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.89) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $143,176.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(1,306) | $850 |
City averages based on Middletown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $3,467 |
| DSCR Ratio | 0.69x |
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.
Multi Family
Built in 2020
2.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95461, Middletown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,777 (100%) |
| Owner Occupied HU | 1,016 (57.2%) |
| Renter Occupied HU | 380 (21.4%) |
| Vacant Housing Units | 381 (21.4%) |
| Median Home Value | $471,008 |
| Average Home Value | $626,449 |
Housing Distribution
Address Breakdown
Residential
813
Single Family
776
Multi-Family
37
Businesses
214
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
Multi Family
Built in 2020
2.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95461, Middletown, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,777 (100%) |
| Owner Occupied HU | 1,016 (57.2%) |
| Renter Occupied HU | 380 (21.4%) |
| Vacant Housing Units | 381 (21.4%) |
| Median Home Value | $471,008 |
| Average Home Value | $626,449 |
Housing Distribution
Address Breakdown
Residential
813
Single Family
776
Multi-Family
37
Businesses
214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Yousef Khoury • Coldwell Banker Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #325011250
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.