4007 Valley Oak Ln #GEl MonteCA91733
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4007 Valley Oak Ln #G, El Monte, CA, 91733 in El Monte at $767,990, 4.59% gross yield, is a market-growth asset. Rental yield 4.59%. The $2,940/mo rent partially funds the $3,453/mo debt service; the core return is the 5%/yr price growth projected to add $212,181 over five years. Ziffy Mortgage's DSCR mortgage (0.85) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $174,740.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.0% |
| Monthly Cash Flow | $(1,811) | $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 | $4,445 |
| DSCR Ratio | 0.66x |
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 2026
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
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 2026
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
Listed by: N/A • Century Communities
Mls Name: Century Communities
Mls Provider:
Mls ID: #N/A