4650 Encinas DrLa Canada FlintridgeCA91011
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4650 Encinas Dr, La Canada Flintridge, CA, 91011 in La Canada Flintridge. Rental yield 4.1%. At $1,995,000 with 4.1% gross yield, current distributions are modest, but the 5% appreciation rate projects $551,182 in new equity by year five, complemented by $18,374/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.76) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $400,754.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 5.5% |
| Monthly Cash Flow | $(5,528) | $1,500 |
City averages based on La Canada Flintridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,814 |
| Total Monthly Debt Service | $11,548 |
| DSCR Ratio | 0.59x |
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 1946
7,876 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91011, La Canada Flintridge, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,048 (100%) |
| Owner Occupied HU | 5,870 (83.3%) |
| Renter Occupied HU | 888 (12.6%) |
| Vacant Housing Units | 290 ( 4.1%) |
| Median Home Value | $1,931,591 |
| Average Home Value | $1,819,493 |
Housing Distribution
Address Breakdown
Residential
7,069
Single Family
6,898
Multi-Family
171
Businesses
459
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 1946
7,876 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91011, La Canada Flintridge, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,048 (100%) |
| Owner Occupied HU | 5,870 (83.3%) |
| Renter Occupied HU | 888 (12.6%) |
| Vacant Housing Units | 290 ( 4.1%) |
| Median Home Value | $1,931,591 |
| Average Home Value | $1,819,493 |
Housing Distribution
Address Breakdown
Residential
7,069
Single Family
6,898
Multi-Family
171
Businesses
459
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Thomas Atamian • Coldwell Banker Realty
Mls Name: CRMLS
Mls ID: #P1-23319