12 Chapala CtFoothill RanchCA92610
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 12 Chapala Ct, Foothill Ranch, CA, 92610 in Foothill Ranch is capital appreciation. Rental yield 5.89%. The 5.89% gross yield at $729,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $201,658 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.09) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $216,604.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 7.0% |
| Monthly Cash Flow | $(936) | $1,500 |
City averages based on Foothill Ranch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,580 |
| Total Monthly Debt Service | $4,225 |
| DSCR Ratio | 0.85x |
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.
Condo
Built in 1994
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92610, Foothill Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,088 (100%) |
| Owner Occupied HU | 2,962 (72.5%) |
| Renter Occupied HU | 1,036 (25.3%) |
| Vacant Housing Units | 90 ( 2.2%) |
| Median Home Value | $1,031,056 |
| Average Home Value | $1,147,307 |
Housing Distribution
Address Breakdown
Residential
4,652
Single Family
3,557
Multi-Family
1,095
Businesses
347
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 1994
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92610, Foothill Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,088 (100%) |
| Owner Occupied HU | 2,962 (72.5%) |
| Renter Occupied HU | 1,036 (25.3%) |
| Vacant Housing Units | 90 ( 2.2%) |
| Median Home Value | $1,031,056 |
| Average Home Value | $1,147,307 |
Housing Distribution
Address Breakdown
Residential
4,652
Single Family
3,557
Multi-Family
1,095
Businesses
347
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maryam Amiri • Redfin
Mls Name: CRMLS
Mls ID: #OC25188843