7241 Orchard CirPenrynCA95663
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder7241 Orchard Cir, Penryn, CA, 95663 in Penryn is a stable, well-positioned rental at $575,000. Rental yield 7.56%. DSCR 1.40 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $158,862 in value and $5,296/yr in principal paydown builds equity, a total projected return of $202,543.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $(263) | $300 |
City averages based on Penryn market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,624 |
| Total Monthly Debt Service | $3,658 |
| DSCR Ratio | 0.99x |
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.
Townhouse
Built in 2013
3,537 sqft lot
$N/A/sqft
$310 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95663, Penryn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,182 (100%) |
| Owner Occupied HU | 948 (80.2%) |
| Renter Occupied HU | 176 (14.9%) |
| Vacant Housing Units | 58 ( 4.9%) |
| Median Home Value | $911,836 |
| Average Home Value | $987,060 |
Housing Distribution
Address Breakdown
Residential
966
Single Family
962
Multi-Family
4
Businesses
82
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
Townhouse
Built in 2013
3,537 sqft lot
$N/A/sqft
$310 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95663, Penryn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,182 (100%) |
| Owner Occupied HU | 948 (80.2%) |
| Renter Occupied HU | 176 (14.9%) |
| Vacant Housing Units | 58 ( 4.9%) |
| Median Home Value | $911,836 |
| Average Home Value | $987,060 |
Housing Distribution
Address Breakdown
Residential
966
Single Family
962
Multi-Family
4
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sheri Bruce • GUIDE Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225123525