1212 H St SPC 139RamonaCA92065
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1212 H St SPC 139, Ramona, CA, 92065 in Ramona at $276,500 earns $2,245/mo in rent and nets $185/mo after the $1,243/mo payment, a 8.09% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $76,392 over five years. Ziffy Mortgage underwrites this on a 1.81 DSCR without U.S. credit history. With $2,547/yr in principal paydown, total projected return reaches $139,263.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.5% |
| Monthly Cash Flow | $185 | $300 |
City averages based on Ramona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,245 |
| Total Monthly Debt Service | $1,600 |
| DSCR Ratio | 1.40x |
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.
Manufactured
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92065, Ramona, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,104 (100%) |
| Owner Occupied HU | 9,395 (71.7%) |
| Renter Occupied HU | 3,225 (24.6%) |
| Vacant Housing Units | 484 ( 3.7%) |
| Median Home Value | $841,572 |
| Average Home Value | $884,246 |
Housing Distribution
Address Breakdown
Residential
12,387
Single Family
10,800
Multi-Family
1,587
Businesses
1,041
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
Manufactured
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92065, Ramona, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,104 (100%) |
| Owner Occupied HU | 9,395 (71.7%) |
| Renter Occupied HU | 3,225 (24.6%) |
| Vacant Housing Units | 484 ( 3.7%) |
| Median Home Value | $841,572 |
| Average Home Value | $884,246 |
Housing Distribution
Address Breakdown
Residential
12,387
Single Family
10,800
Multi-Family
1,587
Businesses
1,041
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Suzanne Rosen • Schreiber Realty
Mls Name: SDMLS
Mls ID: #250031415