3420 Bergesen CtKelseyvilleCA95451
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 3420 Bergesen Ct, Kelseyville, CA, 95451 in Kelseyville is a conservative rental investment at $789,000. Rental yield 6.63%. A 1.23 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $217,986; $7,267/yr in principal paydown supplements. Total projected return: $265,507.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 5.0% |
| Monthly Cash Flow | $(522) | $300 |
City averages based on Kelseyville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,358 |
| Total Monthly Debt Service | $4,567 |
| DSCR Ratio | 0.95x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2006
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95451, Kelseyville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,220 (100%) |
| Owner Occupied HU | 3,583 (57.6%) |
| Renter Occupied HU | 1,277 (20.5%) |
| Vacant Housing Units | 1,360 (21.9%) |
| Median Home Value | $420,577 |
| Average Home Value | $450,025 |
Housing Distribution
Address Breakdown
Residential
5,068
Single Family
5,068
Multi-Family
0
Businesses
295
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 2006
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95451, Kelseyville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,220 (100%) |
| Owner Occupied HU | 3,583 (57.6%) |
| Renter Occupied HU | 1,277 (20.5%) |
| Vacant Housing Units | 1,360 (21.9%) |
| Median Home Value | $420,577 |
| Average Home Value | $450,025 |
Housing Distribution
Address Breakdown
Residential
5,068
Single Family
5,068
Multi-Family
0
Businesses
295
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deborah K Ball • Engel & Volkers
Mls Name: BAREIS
Mls Provider:
Mls ID: #325005626
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.