1063 Shadowridge Dr UNIT 22VistaCA92081
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1063 Shadowridge Dr UNIT 22, Vista, CA, 92081 in Vista. At $540,000 it earns $4,234/mo in rent and distributes $501/mo to the owner after the $2,428/mo payment, a consistent 9.41% yield. DSCR 1.74 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $149,192 in value; $4,973/yr in principal paydown compounds ownership stake. Total projected return: $238,762.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $501 | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,234 |
| Total Monthly Debt Service | $3,518 |
| 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.
Condo
Built in 1987
N/A lot
$N/A/sqft
$385 monthly HOA
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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 1987
N/A lot
$N/A/sqft
$385 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices