4123 Pepper AveYorba LindaCA92886
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 4123 Pepper Ave, Yorba Linda, CA, 92886 in Yorba Linda: $10,590/mo in rent, $395/mo in net income, 7.71% gross yield, 1.43 DSCR, all at $1,648,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $455,312 in appreciation and $15,178/yr in principal paydown projects total cumulative return of $650,336.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.5% |
| Monthly Cash Flow | $395 | $350 |
City averages based on Yorba Linda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $10,590 |
| Total Monthly Debt Service | $9,539 |
| DSCR Ratio | 1.11x |
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 1980
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92886, Yorba Linda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,344 (100%) |
| Owner Occupied HU | 13,942 (80.4%) |
| Renter Occupied HU | 2,890 (16.7%) |
| Vacant Housing Units | 512 ( 3.0%) |
| Median Home Value | $1,289,674 |
| Average Home Value | $1,350,761 |
Housing Distribution
Address Breakdown
Residential
17,473
Single Family
16,818
Multi-Family
655
Businesses
690
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 1980
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92886, Yorba Linda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,344 (100%) |
| Owner Occupied HU | 13,942 (80.4%) |
| Renter Occupied HU | 2,890 (16.7%) |
| Vacant Housing Units | 512 ( 3.0%) |
| Median Home Value | $1,289,674 |
| Average Home Value | $1,350,761 |
Housing Distribution
Address Breakdown
Residential
17,473
Single Family
16,818
Multi-Family
655
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices