4300 Jacoby Creek RdBaysideCA95524
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 4300 Jacoby Creek Rd, Bayside, CA, 95524 in Bayside is straightforward: $600,000 in, $4,751/mo in rent, $1,039/mo out after debt service. The 9.5% gross yield and 1.76 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $165,769 by year five. With $5,526/yr in principal equity, the total cumulative return is projected at $294,368.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.0% |
| Monthly Cash Flow | $1,039 | $1,500 |
City averages based on Bayside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,751 |
| Total Monthly Debt Service | $3,473 |
| DSCR Ratio | 1.37x |
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 1962
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95524, Bayside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 679 (100%) |
| Owner Occupied HU | 466 (68.6%) |
| Renter Occupied HU | 158 (23.3%) |
| Vacant Housing Units | 55 ( 8.1%) |
| Median Home Value | $652,930 |
| Average Home Value | $714,045 |
Housing Distribution
Address Breakdown
Residential
662
Single Family
662
Multi-Family
0
Businesses
123
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 1962
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95524, Bayside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 679 (100%) |
| Owner Occupied HU | 466 (68.6%) |
| Renter Occupied HU | 158 (23.3%) |
| Vacant Housing Units | 55 ( 8.1%) |
| Median Home Value | $652,930 |
| Average Home Value | $714,045 |
Housing Distribution
Address Breakdown
Residential
662
Single Family
662
Multi-Family
0
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices