1128 Witherby LnEscondidoCA92026
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1128 Witherby Ln, Escondido, CA, 92026 in Escondido fits: $1,495,000, 5.05% gross yield, and a projected 5% annual appreciation rate adding $413,041 in value within five years. Rental yield 5.05%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.94) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,769/yr in principal paydown and $413,041 in appreciation project a total return of $376,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(3,165) | $1,500 |
City averages based on Escondido market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,290 |
| Total Monthly Debt Service | $8,654 |
| DSCR Ratio | 0.73x |
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 2018
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92026, Escondido, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,944 (100%) |
| Owner Occupied HU | 11,642 (58.4%) |
| Renter Occupied HU | 7,211 (36.2%) |
| Vacant Housing Units | 1,091 ( 5.5%) |
| Median Home Value | $800,969 |
| Average Home Value | $875,466 |
Housing Distribution
Address Breakdown
Residential
18,849
Single Family
15,916
Multi-Family
2,933
Businesses
321
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 2018
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92026, Escondido, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,944 (100%) |
| Owner Occupied HU | 11,642 (58.4%) |
| Renter Occupied HU | 7,211 (36.2%) |
| Vacant Housing Units | 1,091 ( 5.5%) |
| Median Home Value | $800,969 |
| Average Home Value | $875,466 |
Housing Distribution
Address Breakdown
Residential
18,849
Single Family
15,916
Multi-Family
2,933
Businesses
321
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Theresa Mack • eXp Realty of California, Inc.
Mls Name: SDMLS
Mls ID: #260001621