20516 Pleasant Valley RdNorth San JuanCA95960
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 20516 Pleasant Valley Rd, North San Juan, CA, 95960 in North San Juan is listed at $517,000 and delivers $3,611/mo in rent and $413/mo in net monthly cash flow. The 8.38% yield and 1.55 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $142,838 over five years, and $4,762/yr in principal reduction supplements cash return. Total projected cumulative return: $222,617.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.0% |
| Monthly Cash Flow | $413 | $300 |
City averages based on North San Juan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,611 |
| Total Monthly Debt Service | $2,993 |
| DSCR Ratio | 1.21x |
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 2007
3.55 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
Single Family
Built in 2007
3.55 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: Alain DAndrade • NextHome Apex Realty
Mls Name: MetroList Services of CA
Mls ID: #226004900