27120 Valley Oak PlValenciaCA91381
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 27120 Valley Oak Pl, Valencia, CA, 91381 in Valencia is narrow, $152/mo net on $5,142/mo rent after the $3,193/mo debt service, but the property operates at break-even-plus, not a loss. At $709,999 with a 8.69% yield, the long-run equity case via 5% appreciation ($196,160 over five years) and $6,539/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $317,433.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 5.0% |
| Monthly Cash Flow | $152 | $300 |
City averages based on Valencia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,142 |
| Total Monthly Debt Service | $4,110 |
| DSCR Ratio | 1.25x |
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.
Townhouse
Built in 2023
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91381, Stevenson Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,798 (100%) |
| Owner Occupied HU | 6,154 (69.9%) |
| Renter Occupied HU | 2,391 (27.2%) |
| Vacant Housing Units | 253 ( 2.9%) |
| Median Home Value | $1,025,595 |
| Average Home Value | $1,122,310 |
Housing Distribution
Address Breakdown
Residential
7,992
Single Family
6,255
Multi-Family
1,737
Businesses
265
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
Townhouse
Built in 2023
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91381, Stevenson Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,798 (100%) |
| Owner Occupied HU | 6,154 (69.9%) |
| Renter Occupied HU | 2,391 (27.2%) |
| Vacant Housing Units | 253 ( 2.9%) |
| Median Home Value | $1,025,595 |
| Average Home Value | $1,122,310 |
Housing Distribution
Address Breakdown
Residential
7,992
Single Family
6,255
Multi-Family
1,737
Businesses
265
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Okolo Shandrow • California Financial & RE Ctr
Mls Name: CRMLS
Mls ID: #OC26006681