3131 Valley Rd SPC 68National CityCA91950
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 3131 Valley Rd SPC 68, National City, CA, 91950 in National City: $5,010/mo in rent, $3,525/mo net, 25.05% gross yield, all on a $240,000 acquisition. The 4.64 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $66,308 in value, and $2,210/yr in principal paydown steadily builds equity. Projected total cumulative return: $317,862.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 25.1% | 6.5% |
| Monthly Cash Flow | $3,525 | $300 |
City averages based on National City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,010 |
| Total Monthly Debt Service | $1,389 |
| DSCR Ratio | 3.61x |
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.
Manufactured
Built in 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91950, National City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,612 (100%) |
| Owner Occupied HU | 5,954 (32.0%) |
| Renter Occupied HU | 11,718 (63.0%) |
| Vacant Housing Units | 940 ( 5.1%) |
| Median Home Value | $663,182 |
| Average Home Value | $809,394 |
Housing Distribution
Address Breakdown
Residential
17,880
Single Family
13,328
Multi-Family
4,552
Businesses
2,235
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
Manufactured
Built in 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91950, National City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,612 (100%) |
| Owner Occupied HU | 5,954 (32.0%) |
| Renter Occupied HU | 11,718 (63.0%) |
| Vacant Housing Units | 940 ( 5.1%) |
| Median Home Value | $663,182 |
| Average Home Value | $809,394 |
Housing Distribution
Address Breakdown
Residential
17,880
Single Family
13,328
Multi-Family
4,552
Businesses
2,235
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices