10813 1st AveWhittierCA90603
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 10813 1st Ave, Whittier, CA, 90603 in Whittier fits: $1,098,000, 5.46% gross yield, and a projected 5% annual appreciation rate adding $303,357 in value within five years. Rental yield 5.46%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.01) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,113/yr in principal paydown and $303,357 in appreciation project a total return of $300,747.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.5% |
| Monthly Cash Flow | $(1,797) | $200 |
City averages based on Whittier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,996 |
| Total Monthly Debt Service | $6,356 |
| DSCR Ratio | 0.79x |
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.
Single Family
Built in 1955
5,968 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90603, Whittier, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,024 (100%) |
| Owner Occupied HU | 5,402 (76.9%) |
| Renter Occupied HU | 1,474 (21.0%) |
| Vacant Housing Units | 148 ( 2.1%) |
| Median Home Value | $831,385 |
| Average Home Value | $888,827 |
Housing Distribution
Address Breakdown
Residential
6,990
Single Family
6,315
Multi-Family
675
Businesses
527
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 1955
5,968 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90603, Whittier, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,024 (100%) |
| Owner Occupied HU | 5,402 (76.9%) |
| Renter Occupied HU | 1,474 (21.0%) |
| Vacant Housing Units | 148 ( 2.1%) |
| Median Home Value | $831,385 |
| Average Home Value | $888,827 |
Housing Distribution
Address Breakdown
Residential
6,990
Single Family
6,315
Multi-Family
675
Businesses
527
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sean Kaddura • Sean Kaddura, Broker
Mls Name: CRMLS
Mls ID: #OC26034682