20608 Haynes StWinnetkaCA91306
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 20608 Haynes St, Winnetka, CA, 91306 in Winnetka fits: $995,000, 2.84% gross yield, and a projected 5% annual appreciation rate adding $274,900 in value within five years. Rental yield 2.84%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.53) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,164/yr in principal paydown and $274,900 in appreciation project a total return of $132,608.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.0% |
| Monthly Cash Flow | $(3,802) | $250 |
City averages based on Winnetka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,353 |
| Total Monthly Debt Service | $5,759 |
| DSCR Ratio | 0.41x |
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 1955
7,766 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91306, Winnetka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,576 (100%) |
| Owner Occupied HU | 8,183 (52.5%) |
| Renter Occupied HU | 7,011 (45.0%) |
| Vacant Housing Units | 382 ( 2.5%) |
| Median Home Value | $772,699 |
| Average Home Value | $789,461 |
Housing Distribution
Address Breakdown
Residential
14,980
Single Family
9,619
Multi-Family
5,361
Businesses
535
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 1955
7,766 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91306, Winnetka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,576 (100%) |
| Owner Occupied HU | 8,183 (52.5%) |
| Renter Occupied HU | 7,011 (45.0%) |
| Vacant Housing Units | 382 ( 2.5%) |
| Median Home Value | $772,699 |
| Average Home Value | $789,461 |
Housing Distribution
Address Breakdown
Residential
14,980
Single Family
9,619
Multi-Family
5,361
Businesses
535
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CLAW
Mls ID: #26661521