20578 Pleasant Valley RdNorth San JuanCA95960
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 20578 Pleasant Valley Rd, North San Juan, CA, 95960 in North San Juan is straightforward: $524,900 in, $3,797/mo in rent, $550/mo out after debt service. The 8.68% gross yield and 1.61 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $145,020 by year five. With $4,834/yr in principal equity, the total cumulative return is projected at $234,475.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $550 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $3,797 |
| Total Monthly Debt Service | $3,038 |
| DSCR Ratio | 1.25x |
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 1997
4.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95960, North San Juan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 424 (100%) |
| Owner Occupied HU | 256 (60.4%) |
| Renter Occupied HU | 90 (21.2%) |
| Vacant Housing Units | 78 (18.4%) |
| Median Home Value | $504,630 |
| Average Home Value | $615,518 |
Housing Distribution
Address Breakdown
Residential
220
Single Family
220
Multi-Family
0
Businesses
45
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 1997
4.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95960, North San Juan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 424 (100%) |
| Owner Occupied HU | 256 (60.4%) |
| Renter Occupied HU | 90 (21.2%) |
| Vacant Housing Units | 78 (18.4%) |
| Median Home Value | $504,630 |
| Average Home Value | $615,518 |
Housing Distribution
Address Breakdown
Residential
220
Single Family
220
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226077638