447 Grand AveSpring ValleyCA91977
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play447 Grand Ave, Spring Valley, CA, 91977 in Spring Valley is priced for appreciation, not yield. Rental yield 3.68%. At $1,100,000 with a 3.68% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $303,910 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.68) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $196,559.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.2% |
| Monthly Cash Flow | $(3,428) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,377 |
| Total Monthly Debt Service | $6,367 |
| DSCR Ratio | 0.53x |
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.
Multi Family
Built in 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91977, Spring Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,678 (100%) |
| Owner Occupied HU | 11,779 (59.9%) |
| Renter Occupied HU | 7,336 (37.3%) |
| Vacant Housing Units | 563 ( 2.9%) |
| Median Home Value | $723,071 |
| Average Home Value | $799,041 |
Housing Distribution
Address Breakdown
Residential
19,266
Single Family
16,480
Multi-Family
2,786
Businesses
779
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
Multi Family
Built in 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91977, Spring Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,678 (100%) |
| Owner Occupied HU | 11,779 (59.9%) |
| Renter Occupied HU | 7,336 (37.3%) |
| Vacant Housing Units | 563 ( 2.9%) |
| Median Home Value | $723,071 |
| Average Home Value | $799,041 |
Housing Distribution
Address Breakdown
Residential
19,266
Single Family
16,480
Multi-Family
2,786
Businesses
779
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nikki Amini • American Dream Homes
Mls Name: SDMLS
Mls Provider:
Mls ID: #240028869
Disclaimer: This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, noncommercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by San Diego MLS. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation 2025 San Diego MLS.