21 Ranch CtNorth San JuanCA95960
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 21 Ranch Ct, North San Juan, CA, 95960 in North San Juan. At $199,000 it earns $1,852/mo in rent and distributes $302/mo to the owner after the $895/mo payment, a consistent 11.17% yield. DSCR 2.07 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $54,980 in value; $1,833/yr in principal paydown compounds ownership stake. Total projected return: $96,318.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 5.0% |
| Monthly Cash Flow | $302 | $300 |
City averages based on North San Juan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,852 |
| Total Monthly Debt Service | $1,470 |
| DSCR Ratio | 1.26x |
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
4.30 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
4.30 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