109 CenturyIrvineCA92618
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 109 Century, Irvine, CA, 92618 in Irvine is capital appreciation. Rental yield 3.96%. The 3.96% gross yield at $1,646,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $454,759 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.73) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $318,431.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.1% |
| Monthly Cash Flow | $(5,310) | $300 |
City averages based on Irvine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,432 |
| Total Monthly Debt Service | $9,528 |
| DSCR Ratio | 0.57x |
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.
Condo
Built in 2027
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92618, Irvine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,952 (100%) |
| Owner Occupied HU | 11,620 (38.8%) |
| Renter Occupied HU | 14,256 (47.6%) |
| Vacant Housing Units | 4,076 (13.6%) |
| Median Home Value | $1,450,685 |
| Average Home Value | $1,475,721 |
Housing Distribution
Address Breakdown
Residential
28,416
Single Family
20,263
Multi-Family
8,153
Businesses
3,614
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
Condo
Built in 2027
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92618, Irvine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,952 (100%) |
| Owner Occupied HU | 11,620 (38.8%) |
| Renter Occupied HU | 14,256 (47.6%) |
| Vacant Housing Units | 4,076 (13.6%) |
| Median Home Value | $1,450,685 |
| Average Home Value | $1,475,721 |
Housing Distribution
Address Breakdown
Residential
28,416
Single Family
20,263
Multi-Family
8,153
Businesses
3,614
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #OC26066057