20761 Mission LnHuntington BeachCA92646
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 20761 Mission Ln, Huntington Beach, CA, 92646 in Huntington Beach. At $1,600,000 it earns $11,146/mo in rent and distributes $1,248/mo to the owner after the $7,195/mo payment, a consistent 8.36% yield. DSCR 1.55 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $442,051 in value; $14,736/yr in principal paydown compounds ownership stake. Total projected return: $686,978.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.5% |
| Monthly Cash Flow | $1,248 | $300 |
City averages based on Huntington Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $11,146 |
| Total Monthly Debt Service | $9,261 |
| DSCR Ratio | 1.20x |
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 1967
5,800 sqft lot
$N/A/sqft
No 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 1967
5,800 sqft lot
$N/A/sqft
No 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