11040 Encanto WayEl MonteCA91731
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 11040 Encanto Way, El Monte, CA, 91731 in El Monte: $5,291/mo in rent, $436/mo in net income, 8.56% gross yield, 1.59 DSCR, all at $742,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $205,001 in appreciation and $6,834/yr in principal paydown projects total cumulative return of $326,489.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.0% |
| Monthly Cash Flow | $436 | $1,200 |
City averages based on El Monte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,291 |
| Total Monthly Debt Service | $4,295 |
| DSCR Ratio | 1.23x |
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.
Townhouse
Built in 2005
2.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91731, El Monte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,520 (100%) |
| Owner Occupied HU | 3,055 (35.9%) |
| Renter Occupied HU | 5,242 (61.5%) |
| Vacant Housing Units | 223 ( 2.6%) |
| Median Home Value | $666,314 |
| Average Home Value | $708,455 |
Housing Distribution
Address Breakdown
Residential
8,381
Single Family
5,759
Multi-Family
2,622
Businesses
1,794
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
Townhouse
Built in 2005
2.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91731, El Monte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,520 (100%) |
| Owner Occupied HU | 3,055 (35.9%) |
| Renter Occupied HU | 5,242 (61.5%) |
| Vacant Housing Units | 223 ( 2.6%) |
| Median Home Value | $666,314 |
| Average Home Value | $708,455 |
Housing Distribution
Address Breakdown
Residential
8,381
Single Family
5,759
Multi-Family
2,622
Businesses
1,794
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #OC26008062