20849 Francis DrRichgroveCA93261
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow20849 Francis Dr, Richgrove, CA, 93261 in Richgrove earns its strong cash-flow label: 10.59% yield, $2,118/mo rent, $633/mo net income, DSCR 1.96. The $240,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $66,308 by year five. Combined with $2,210/yr in principal paydown, total projected return reaches $131,754.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 5.0% |
| Monthly Cash Flow | $633 | $250 |
City averages based on Richgrove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,118 |
| Total Monthly Debt Service | $1,389 |
| DSCR Ratio | 1.52x |
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 1950
7,168 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93261, Richgrove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
6
Single Family
6
Multi-Family
0
Businesses
14
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 1950
7,168 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93261, Richgrove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
6
Single Family
6
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices