9765 Kelly LnPenngroveCA94951
INVESTMENT ANALYSIS
Investment Verdict
Solid Income9765 Kelly Ln, Penngrove, CA, 94951 in Penngrove is a solid income-producing rental, 9.65% gross yield, $9,246/mo rent, $2,132/mo net cash flow on a $1,150,000 buy. DSCR 1.79 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $317,724 and $10,592/yr in principal reduction project a total cumulative return of $573,254.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 5.5% |
| Monthly Cash Flow | $2,132 | $350 |
City averages based on Penngrove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,246 |
| Total Monthly Debt Service | $6,657 |
| DSCR Ratio | 1.39x |
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 1975
1.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94951, Penngrove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,802 (100%) |
| Owner Occupied HU | 1,249 (69.3%) |
| Renter Occupied HU | 459 (25.5%) |
| Vacant Housing Units | 94 ( 5.2%) |
| Median Home Value | $1,125,965 |
| Average Home Value | $1,188,221 |
Housing Distribution
Address Breakdown
Residential
1,403
Single Family
1,402
Multi-Family
1
Businesses
191
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 1975
1.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94951, Penngrove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,802 (100%) |
| Owner Occupied HU | 1,249 (69.3%) |
| Renter Occupied HU | 459 (25.5%) |
| Vacant Housing Units | 94 ( 5.2%) |
| Median Home Value | $1,125,965 |
| Average Home Value | $1,188,221 |
Housing Distribution
Address Breakdown
Residential
1,403
Single Family
1,402
Multi-Family
1
Businesses
191
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices