697 N Gulling StPortolaCA96122
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 697 N Gulling St, Portola, CA, 96122 in Portola at $361,300 earns $2,393/mo in rent and nets $73/mo after the $1,625/mo payment, a 7.66% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $99,821 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $3,328/yr in principal paydown, total projected return reaches $147,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $73 | $1,300 |
City averages based on Portola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,393 |
| Total Monthly Debt Service | $2,091 |
| DSCR Ratio | 1.14x |
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 1978
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96122, Portola, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,597 (100%) |
| Owner Occupied HU | 1,289 (49.6%) |
| Renter Occupied HU | 590 (22.7%) |
| Vacant Housing Units | 718 (27.6%) |
| Median Home Value | $376,944 |
| Average Home Value | $444,777 |
Housing Distribution
Address Breakdown
Residential
1,462
Single Family
1,370
Multi-Family
92
Businesses
186
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 1978
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96122, Portola, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,597 (100%) |
| Owner Occupied HU | 1,289 (49.6%) |
| Renter Occupied HU | 590 (22.7%) |
| Vacant Housing Units | 718 (27.6%) |
| Median Home Value | $376,944 |
| Average Home Value | $444,777 |
Housing Distribution
Address Breakdown
Residential
1,462
Single Family
1,370
Multi-Family
92
Businesses
186
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A