11697 Cielo LnLoma LindaCA92354
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 11697 Cielo Ln, Loma Linda, CA, 92354 in Loma Linda earns a 8.8% gross yield at $708,000. Rent of $5,190/mo nets $810/mo after the $3,184/mo mortgage. The 1.63 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $195,607 and $6,521/yr in equity accumulation project a total cumulative return of $320,593.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.0% |
| Monthly Cash Flow | $810 | $1,500 |
City averages based on Loma Linda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,190 |
| Total Monthly Debt Service | $4,098 |
| DSCR Ratio | 1.27x |
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 1977
8,040 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92354, Loma Linda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,208 (100%) |
| Owner Occupied HU | 3,110 (33.8%) |
| Renter Occupied HU | 5,597 (60.8%) |
| Vacant Housing Units | 501 ( 5.4%) |
| Median Home Value | $582,135 |
| Average Home Value | $577,518 |
Housing Distribution
Address Breakdown
Residential
8,903
Single Family
8,038
Multi-Family
865
Businesses
624
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 1977
8,040 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92354, Loma Linda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,208 (100%) |
| Owner Occupied HU | 3,110 (33.8%) |
| Renter Occupied HU | 5,597 (60.8%) |
| Vacant Housing Units | 501 ( 5.4%) |
| Median Home Value | $582,135 |
| Average Home Value | $577,518 |
Housing Distribution
Address Breakdown
Residential
8,903
Single Family
8,038
Multi-Family
865
Businesses
624
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices