1157 Madera Ln #15VistaCA92084
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1157 Madera Ln #15, Vista, CA, 92084 in Vista at $469,000 earns $3,059/mo in rent and nets $157/mo after the $2,109/mo payment, a 7.83% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $129,576 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $4,320/yr in principal paydown, total projected return reaches $188,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $157 | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,059 |
| Total Monthly Debt Service | $2,715 |
| DSCR Ratio | 1.13x |
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.
Condo
Built in 1974
3.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
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 1974
3.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Salvador Correa • Impact Real Estate
Mls Name: CRMLS
Mls ID: #SW25120671