4920 Kelley PlGarden ValleyCA95633
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Garden Valley rentals match the income profile of 4920 Kelley Pl, Garden Valley, CA, 95633. Listed at $170,000, gross rent is $2,303/mo and net cash flow is $1,251/mo, a 16.26% yield well above national averages. DSCR 3.01 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $46,968 by year five with $1,566/yr in annual principal reduction, projecting $145,044 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.3% | 6.2% |
| Monthly Cash Flow | $1,251 | $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 | $2,303 |
| Total Monthly Debt Service | $984 |
| DSCR Ratio | 2.34x |
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.
Lot
Built in N/A
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95633, Garden Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,451 (100%) |
| Owner Occupied HU | 1,132 (78.0%) |
| Renter Occupied HU | 160 (11.0%) |
| Vacant Housing Units | 159 (11.0%) |
| Median Home Value | $531,414 |
| Average Home Value | $586,062 |
Housing Distribution
Address Breakdown
Residential
1,057
Single Family
1,057
Multi-Family
0
Businesses
60
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
Lot
Built in N/A
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95633, Garden Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,451 (100%) |
| Owner Occupied HU | 1,132 (78.0%) |
| Renter Occupied HU | 160 (11.0%) |
| Vacant Housing Units | 159 (11.0%) |
| Median Home Value | $531,414 |
| Average Home Value | $586,062 |
Housing Distribution
Address Breakdown
Residential
1,057
Single Family
1,057
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices