121 S Genoa WayUplandCA91786
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 121 S Genoa Way, Upland, CA, 91786 in Upland worth study. Rental yield 5.72%. The 5.72% gross yield is below cash-flow benchmarks at $749,900, but 5% annual appreciation, adding $207,184 over five years, frames this as a capital growth position. Rent of $3,574/mo partially offsets the $3,372/mo payment. Ziffy Mortgage finances appreciation-play properties (1.06 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $215,840.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 5.2% |
| Monthly Cash Flow | $(1,065) | $230 |
City averages based on Upland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,574 |
| Total Monthly Debt Service | $4,341 |
| DSCR Ratio | 0.82x |
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 1978
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
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 1978
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alfred Saiz • ALL ENCOMPASS REALTY
Mls Name: CRMLS
Mls ID: #CV26008356