10311 Ponderosa StBellflowerCA90706
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 10311 Ponderosa St, Bellflower, CA, 90706 in Bellflower is narrow, $198/mo net on $8,171/mo rent after the $5,796/mo debt service, but the property operates at break-even-plus, not a loss. At $1,288,888 with a 7.61% yield, the long-run equity case via 5% appreciation ($356,096 over five years) and $11,871/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $501,429.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $198 | $1,200 |
City averages based on Bellflower market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,171 |
| Total Monthly Debt Service | $7,460 |
| DSCR Ratio | 1.10x |
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 1982
5,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90706, Bellflower, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,377 (100%) |
| Owner Occupied HU | 9,704 (38.2%) |
| Renter Occupied HU | 14,973 (59.0%) |
| Vacant Housing Units | 700 ( 2.8%) |
| Median Home Value | $712,550 |
| Average Home Value | $752,824 |
Housing Distribution
Address Breakdown
Residential
24,943
Single Family
16,718
Multi-Family
8,225
Businesses
1,784
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 1982
5,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90706, Bellflower, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,377 (100%) |
| Owner Occupied HU | 9,704 (38.2%) |
| Renter Occupied HU | 14,973 (59.0%) |
| Vacant Housing Units | 700 ( 2.8%) |
| Median Home Value | $712,550 |
| Average Home Value | $752,824 |
Housing Distribution
Address Breakdown
Residential
24,943
Single Family
16,718
Multi-Family
8,225
Businesses
1,784
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices