102 Surf DrSan ClementeCA92672
INVESTMENT ANALYSIS
Investment Verdict
Solid Income102 Surf Dr, San Clemente, CA, 92672 in San Clemente is a solid income-producing rental, 8.34% gross yield, $2,155/mo rent, $237/mo net cash flow on a $310,000 buy. DSCR 1.55 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $85,647 and $2,855/yr in principal reduction project a total cumulative return of $132,816.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.5% |
| Monthly Cash Flow | $237 | $2,500 |
City averages based on San Clemente market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,155 |
| Total Monthly Debt Service | $1,794 |
| DSCR Ratio | 1.20x |
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.
Manufactured
Built in 2010
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92672, San Clemente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,436 (100%) |
| Owner Occupied HU | 7,597 (43.6%) |
| Renter Occupied HU | 7,886 (45.2%) |
| Vacant Housing Units | 1,953 (11.2%) |
| Median Home Value | $1,510,683 |
| Average Home Value | $1,527,831 |
Housing Distribution
Address Breakdown
Residential
17,065
Single Family
13,709
Multi-Family
3,356
Businesses
1,348
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
Manufactured
Built in 2010
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92672, San Clemente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,436 (100%) |
| Owner Occupied HU | 7,597 (43.6%) |
| Renter Occupied HU | 7,886 (45.2%) |
| Vacant Housing Units | 1,953 (11.2%) |
| Median Home Value | $1,510,683 |
| Average Home Value | $1,527,831 |
Housing Distribution
Address Breakdown
Residential
17,065
Single Family
13,709
Multi-Family
3,356
Businesses
1,348
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laura Whitehead • Custom Living Manufactured Homes
Mls Name: NY State MLS
Mls ID: #11453593