8620 Penfield AveWinnetkaCA91306
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 8620 Penfield Ave, Winnetka, CA, 91306 in Winnetka speaks for itself: 10.72% gross on a $889,000 price, generating $7,940/mo in rent and $2,441/mo in net income after the $3,998/mo debt service. DSCR 1.99, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $29,291 stacks alongside $245,614 in projected five-year appreciation and $8,188/yr in principal reduction. Projected total cumulative return: $494,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.0% |
| Monthly Cash Flow | $2,441 | $250 |
City averages based on Winnetka market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,940 |
| Total Monthly Debt Service | $5,146 |
| DSCR Ratio | 1.54x |
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 1955
8,202 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91306, Winnetka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,576 (100%) |
| Owner Occupied HU | 8,183 (52.5%) |
| Renter Occupied HU | 7,011 (45.0%) |
| Vacant Housing Units | 382 ( 2.5%) |
| Median Home Value | $772,699 |
| Average Home Value | $789,461 |
Housing Distribution
Address Breakdown
Residential
14,980
Single Family
9,619
Multi-Family
5,361
Businesses
535
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 1955
8,202 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91306, Winnetka, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,576 (100%) |
| Owner Occupied HU | 8,183 (52.5%) |
| Renter Occupied HU | 7,011 (45.0%) |
| Vacant Housing Units | 382 ( 2.5%) |
| Median Home Value | $772,699 |
| Average Home Value | $789,461 |
Housing Distribution
Address Breakdown
Residential
14,980
Single Family
9,619
Multi-Family
5,361
Businesses
535
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices