1019 Highland DrVistaCA92083
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1019 Highland Dr, Vista, CA, 92083 in Vista fits: $892,000, 5.19% gross yield, and a projected 5% annual appreciation rate adding $246,443 in value within five years. Rental yield 5.19%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.96) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,215/yr in principal paydown and $246,443 in appreciation project a total return of $231,386.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(1,660) | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,858 |
| Total Monthly Debt Service | $5,163 |
| DSCR Ratio | 0.75x |
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 1981
10,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92083, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,140 (100%) |
| Owner Occupied HU | 5,954 (49.0%) |
| Renter Occupied HU | 5,813 (47.9%) |
| Vacant Housing Units | 373 ( 3.1%) |
| Median Home Value | $698,877 |
| Average Home Value | $732,536 |
Housing Distribution
Address Breakdown
Residential
11,891
Single Family
9,192
Multi-Family
2,699
Businesses
872
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 1981
10,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92083, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,140 (100%) |
| Owner Occupied HU | 5,954 (49.0%) |
| Renter Occupied HU | 5,813 (47.9%) |
| Vacant Housing Units | 373 ( 3.1%) |
| Median Home Value | $698,877 |
| Average Home Value | $732,536 |
Housing Distribution
Address Breakdown
Residential
11,891
Single Family
9,192
Multi-Family
2,699
Businesses
872
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Richard Eisendrath • Premiere Real Estate
Mls Name: CRMLS
Mls ID: #NDP2506823