9457 E Childs AvePlanadaCA95365
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 9457 E Childs Ave, Planada, CA, 95365 in Planada the bet is firmly on appreciation. Rental yield 1.66%. The 1.66% gross yield on a $1,995,000 price is below income-first thresholds, but 5%/yr value growth projects $551,182 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.31) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $139,634.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 6.5% |
| Monthly Cash Flow | $(9,585) | $200 |
City averages based on Planada market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,756 |
| Total Monthly Debt Service | $11,548 |
| DSCR Ratio | 0.24x |
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 N/A
15.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95365, Planada, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,110 (100%) |
| Owner Occupied HU | 649 (58.5%) |
| Renter Occupied HU | 444 (40.0%) |
| Vacant Housing Units | 17 ( 1.5%) |
| Median Home Value | $350,000 |
| Average Home Value | $373,120 |
Housing Distribution
Address Breakdown
Residential
586
Single Family
586
Multi-Family
0
Businesses
27
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 N/A
15.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95365, Planada, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,110 (100%) |
| Owner Occupied HU | 649 (58.5%) |
| Renter Occupied HU | 444 (40.0%) |
| Vacant Housing Units | 17 ( 1.5%) |
| Median Home Value | $350,000 |
| Average Home Value | $373,120 |
Housing Distribution
Address Breakdown
Residential
586
Single Family
586
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices