10778 Wolf DrPhelanCA92371
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 10778 Wolf Dr, Phelan, CA, 92371 in Phelan hard to pass up. The 11.06% gross yield on a $510,000 purchase results in $4,702/mo in rent and $1,440/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.05). Annual cash flow of $17,285, five-year appreciation of $140,904, and $4,697/yr in equity build-up combine for a projected total cumulative return of $286,571.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.0% |
| Monthly Cash Flow | $1,440 | $250 |
City averages based on Phelan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,702 |
| Total Monthly Debt Service | $3,058 |
| DSCR Ratio | 1.54x |
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 2005
2.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
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 2005
2.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices