20357 Pleasant Valley RdNorth San JuanCA95960
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 20357 Pleasant Valley Rd, North San Juan, CA, 95960 in North San Juan. Priced at $199,000, it generates $2,183/mo in gross rent and $952/mo in net monthly cash flow, a 13.16% yield that comfortably supports the 2.44 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,421. Five-year appreciation: $54,980. Equity from principal paydown: $1,833/yr. Total projected cumulative return: $136,686.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.2% | 5.0% |
| Monthly Cash Flow | $952 | $300 |
City averages based on North San Juan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,183 |
| Total Monthly Debt Service | $1,152 |
| DSCR Ratio | 1.90x |
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.
Lot
Built in N/A
2.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95960, North San Juan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 424 (100%) |
| Owner Occupied HU | 256 (60.4%) |
| Renter Occupied HU | 90 (21.2%) |
| Vacant Housing Units | 78 (18.4%) |
| Median Home Value | $504,630 |
| Average Home Value | $615,518 |
Housing Distribution
Address Breakdown
Residential
220
Single Family
220
Multi-Family
0
Businesses
45
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
Lot
Built in N/A
2.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95960, North San Juan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 424 (100%) |
| Owner Occupied HU | 256 (60.4%) |
| Renter Occupied HU | 90 (21.2%) |
| Vacant Housing Units | 78 (18.4%) |
| Median Home Value | $504,630 |
| Average Home Value | $615,518 |
Housing Distribution
Address Breakdown
Residential
220
Single Family
220
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Edith Heaney • Sierra Heritage Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224080272
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.