450 Stephens LnBaysideCA95524
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 450 Stephens Ln, Bayside, CA, 95524 in Bayside at $480,000. Rental yield 6.58%. The 6.58% yield and 1.22 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $132,615 by year five, and $4,421/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $160,295.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 5.0% |
| Monthly Cash Flow | $(338) | $1,500 |
City averages based on Bayside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,632 |
| Total Monthly Debt Service | $2,778 |
| DSCR Ratio | 0.95x |
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.
Single Family
Built in 1974
2.43 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 1974
2.43 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
Listed by: Kim Brown • Ming Tree, Inc.
Mls Name: HBMLS
Mls ID: #271117