4002 Valley Oak LnEl MonteCA91733
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4002 Valley Oak Ln, El Monte, CA, 91733 in El Monte worth study. Rental yield 4.67%. The 4.67% gross yield is below cash-flow benchmarks at $754,990, but 5% annual appreciation, adding $208,590 over five years, frames this as a capital growth position. Rent of $2,940/mo partially offsets the $3,395/mo payment. Ziffy Mortgage finances appreciation-play properties (0.87 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $174,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.0% |
| Monthly Cash Flow | $(1,730) | $1,200 |
City averages based on El Monte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,940 |
| Total Monthly Debt Service | $4,370 |
| DSCR Ratio | 0.67x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91733, South El Monte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,890 (100%) |
| Owner Occupied HU | 4,341 (39.9%) |
| Renter Occupied HU | 6,285 (57.7%) |
| Vacant Housing Units | 264 ( 2.4%) |
| Median Home Value | $654,002 |
| Average Home Value | $690,364 |
Housing Distribution
Address Breakdown
Residential
10,536
Single Family
8,101
Multi-Family
2,435
Businesses
2,838
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 2 Bed
- 3 Bath
- 1196 sft
- 2 Bed
- 3 Bath
- 1196 sft
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91733, South El Monte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,890 (100%) |
| Owner Occupied HU | 4,341 (39.9%) |
| Renter Occupied HU | 6,285 (57.7%) |
| Vacant Housing Units | 264 ( 2.4%) |
| Median Home Value | $654,002 |
| Average Home Value | $690,364 |
Housing Distribution
Address Breakdown
Residential
10,536
Single Family
8,101
Multi-Family
2,435
Businesses
2,838
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 2 Bed
- 3 Bath
- 1196 sft
- 2 Bed
- 3 Bath
- 1196 sft
Listed by: N/A • Century Communities
Mls Name: Century Communities
Mls Provider:
Mls ID: #N/A