20282 Bancroft CirHuntington BeachCA92646
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 20282 Bancroft Cir, Huntington Beach, CA, 92646 in Huntington Beach worth study. Rental yield 4.6%. The 4.6% gross yield is below cash-flow benchmarks at $1,589,100, but 5% annual appreciation, adding $439,039 over five years, frames this as a capital growth position. Rent of $6,095/mo partially offsets the $7,146/mo payment. Ziffy Mortgage finances appreciation-play properties (0.85 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $360,167.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.5% |
| Monthly Cash Flow | $(3,769) | $300 |
City averages based on Huntington Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,095 |
| Total Monthly Debt Service | $9,231 |
| DSCR Ratio | 0.66x |
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 1968
6,000 sqft lot
$N/A/sqft
$33 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92646, Huntington Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,100 (100%) |
| Owner Occupied HU | 16,025 (69.4%) |
| Renter Occupied HU | 6,433 (27.8%) |
| Vacant Housing Units | 642 ( 2.8%) |
| Median Home Value | $1,150,642 |
| Average Home Value | $1,139,607 |
Housing Distribution
Address Breakdown
Residential
22,221
Single Family
20,470
Multi-Family
1,751
Businesses
563
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 1968
6,000 sqft lot
$N/A/sqft
$33 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92646, Huntington Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,100 (100%) |
| Owner Occupied HU | 16,025 (69.4%) |
| Renter Occupied HU | 6,433 (27.8%) |
| Vacant Housing Units | 642 ( 2.8%) |
| Median Home Value | $1,150,642 |
| Average Home Value | $1,139,607 |
Housing Distribution
Address Breakdown
Residential
22,221
Single Family
20,470
Multi-Family
1,751
Businesses
563
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A