11065 Pacific RdPhelanCA92371
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 11065 Pacific Rd, Phelan, CA, 92371 in Phelan is narrow, $165/mo net on $2,329/mo rent after the $1,573/mo debt service, but the property operates at break-even-plus, not a loss. At $349,900 with a 7.99% yield, the long-run equity case via 5% appreciation ($96,671 over five years) and $3,223/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.48 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $143,338.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $165 | $250 |
City averages based on Phelan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,329 |
| Total Monthly Debt Service | $2,025 |
| DSCR Ratio | 1.15x |
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.
Manufactured
Built in 1988
2.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
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
Manufactured
Built in 1988
2.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kyle Zimbro • Coldwell Banker Home Source
Mls Name: CRMLS
Mls ID: #HD25177371