1030 Harris Ranch Rd #RPotreroCA91963
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1030 Harris Ranch Rd #R, Potrero, CA, 91963 in Potrero is narrow, $42/mo net on $2,640/mo rent after the $1,889/mo debt service, but the property operates at break-even-plus, not a loss. At $420,000 with a 7.54% yield, the long-run equity case via 5% appreciation ($116,038 over five years) and $3,868/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $161,929.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $42 | $400 |
City averages based on Potrero market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $2,431 |
| DSCR Ratio | 1.09x |
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 2010
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91963, Potrero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 370 (100%) |
| Owner Occupied HU | 204 (55.1%) |
| Renter Occupied HU | 134 (36.2%) |
| Vacant Housing Units | 32 ( 8.6%) |
| Median Home Value | $513,158 |
| Average Home Value | $498,100 |
Housing Distribution
Address Breakdown
Residential
246
Single Family
246
Multi-Family
0
Businesses
16
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 2010
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91963, Potrero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 370 (100%) |
| Owner Occupied HU | 204 (55.1%) |
| Renter Occupied HU | 134 (36.2%) |
| Vacant Housing Units | 32 ( 8.6%) |
| Median Home Value | $513,158 |
| Average Home Value | $498,100 |
Housing Distribution
Address Breakdown
Residential
246
Single Family
246
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices