103 Monte VisSan ClementeCA92672
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 103 Monte Vis, San Clemente, CA, 92672 in San Clemente at $1,039,000, 4.39% gross yield, is a market-growth asset. Rental yield 4.39%. The $3,801/mo rent partially funds the $4,672/mo debt service; the core return is the 5%/yr price growth projected to add $287,057 over five years. Ziffy Mortgage's DSCR mortgage (0.81) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $224,936.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.5% |
| Monthly Cash Flow | $(2,626) | $2,500 |
City averages based on San Clemente market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,801 |
| Total Monthly Debt Service | $6,014 |
| DSCR Ratio | 0.63x |
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.
Condo
Built in 1962
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
Condo
Built in 1962
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: Eralyn Brand • Luxre Realty, Inc.
Mls Name: CRMLS
Mls ID: #OC25240852