11022 West DrMorongo ValleyCA92256
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 11022 West Dr, Morongo Valley, CA, 92256 in Morongo Valley is narrow, $173/mo net on $1,967/mo rent after the $1,304/mo debt service, but the property operates at break-even-plus, not a loss. At $289,995 with a 8.14% yield, the long-run equity case via 5% appreciation ($80,120 over five years) and $2,671/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $121,123.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 8.0% |
| Monthly Cash Flow | $173 | $1,500 |
City averages based on Morongo Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,967 |
| Total Monthly Debt Service | $1,679 |
| DSCR Ratio | 1.17x |
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 1962
7,502 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92256, Morongo Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,993 (100%) |
| Owner Occupied HU | 1,219 (61.2%) |
| Renter Occupied HU | 434 (21.8%) |
| Vacant Housing Units | 340 (17.1%) |
| Median Home Value | $248,684 |
| Average Home Value | $294,684 |
Housing Distribution
Address Breakdown
Residential
1,512
Single Family
1,512
Multi-Family
0
Businesses
85
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 1962
7,502 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92256, Morongo Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,993 (100%) |
| Owner Occupied HU | 1,219 (61.2%) |
| Renter Occupied HU | 434 (21.8%) |
| Vacant Housing Units | 340 (17.1%) |
| Median Home Value | $248,684 |
| Average Home Value | $294,684 |
Housing Distribution
Address Breakdown
Residential
1,512
Single Family
1,512
Multi-Family
0
Businesses
85
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Zoltan Posa • Coldwell Banker Realty
Mls Name: CRMLS
Mls ID: #219135833PS