10828 Oak DrWofford HeightsCA93285
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10828 Oak Dr, Wofford Heights, CA, 93285 in Wofford Heights is narrow, $103/mo net on $2,094/mo rent after the $1,581/mo debt service, but the property operates at break-even-plus, not a loss. At $351,655 with a 8.21% yield, the long-run equity case via 5% appreciation ($97,156 over five years) and $3,239/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.32 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $120,442.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $103 | $1,500 |
City averages based on Wofford Heights market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,094 |
| Total Monthly Debt Service | $2,164 |
| DSCR Ratio | 0.97x |
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 1989
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93285, Wofford Heights, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,425 (100%) |
| Owner Occupied HU | 1,031 (42.5%) |
| Renter Occupied HU | 357 (14.7%) |
| Vacant Housing Units | 1,037 (42.8%) |
| Median Home Value | $351,288 |
| Average Home Value | $456,511 |
Housing Distribution
Address Breakdown
Residential
677
Single Family
677
Multi-Family
0
Businesses
75
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 1989
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93285, Wofford Heights, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,425 (100%) |
| Owner Occupied HU | 1,031 (42.5%) |
| Renter Occupied HU | 357 (14.7%) |
| Vacant Housing Units | 1,037 (42.8%) |
| Median Home Value | $351,288 |
| Average Home Value | $456,511 |
Housing Distribution
Address Breakdown
Residential
677
Single Family
677
Multi-Family
0
Businesses
75
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A