31850 Railroad Canyon RdQuail ValleyCA92587
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 31850 Railroad Canyon Rd, Quail Valley, CA, 92587 in Quail Valley achieves a 1.55 ratio at $299,999: $2,097/mo rent versus $1,349/mo debt service. Rental yield 8.39%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.39% yield compounds alongside 5% annual appreciation projecting $82,884 in value. Total projected cumulative return: $129,280.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.0% |
| Monthly Cash Flow | $(511) | $1,500 |
City averages based on Quail Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,097 |
| Total Monthly Debt Service | $1,736 |
| DSCR Ratio | 1.21x |
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.
Condo
Built in 1976
871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92587, Sun City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,611 (100%) |
| Owner Occupied HU | 5,039 (76.2%) |
| Renter Occupied HU | 1,072 (16.2%) |
| Vacant Housing Units | 500 ( 7.6%) |
| Median Home Value | $666,814 |
| Average Home Value | $709,358 |
Housing Distribution
Address Breakdown
Residential
6,427
Single Family
6,427
Multi-Family
0
Businesses
184
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
Condo
Built in 1976
871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92587, Sun City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,611 (100%) |
| Owner Occupied HU | 5,039 (76.2%) |
| Renter Occupied HU | 1,072 (16.2%) |
| Vacant Housing Units | 500 ( 7.6%) |
| Median Home Value | $666,814 |
| Average Home Value | $709,358 |
Housing Distribution
Address Breakdown
Residential
6,427
Single Family
6,427
Multi-Family
0
Businesses
184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #SW25282342