36 N Pico StPlanadaCA95365
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 36 N Pico St, Planada, CA, 95365 in Planada deserves attention. This $266,000 property earns $2,472/mo in rent, a 11.15% gross yield, and nets $826/mo after the $1,196/mo payment. DSCR 2.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $73,491 compounds alongside $2,450/yr in yearly equity build, for a total cumulative return of $154,091.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.5% |
| Monthly Cash Flow | $826 | $200 |
City averages based on Planada market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,472 |
| Total Monthly Debt Service | $1,540 |
| DSCR Ratio | 1.61x |
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.
Single Family
Built in 1972
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95365, Planada, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,110 (100%) |
| Owner Occupied HU | 649 (58.5%) |
| Renter Occupied HU | 444 (40.0%) |
| Vacant Housing Units | 17 ( 1.5%) |
| Median Home Value | $350,000 |
| Average Home Value | $373,120 |
Housing Distribution
Address Breakdown
Residential
586
Single Family
586
Multi-Family
0
Businesses
27
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 1972
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95365, Planada, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,110 (100%) |
| Owner Occupied HU | 649 (58.5%) |
| Renter Occupied HU | 444 (40.0%) |
| Vacant Housing Units | 17 ( 1.5%) |
| Median Home Value | $350,000 |
| Average Home Value | $373,120 |
Housing Distribution
Address Breakdown
Residential
586
Single Family
586
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices