1212 H St Spc 14RamonaCA92065
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 1212 H St Spc 14, Ramona, CA, 92065 in Ramona clears it at 1.75, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.47%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $34,508; $1,150/yr in principal equity; total projected return: $61,078.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.5% |
| Monthly Cash Flow | $(1,137) | $300 |
City averages based on Ramona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $986 |
| Total Monthly Debt Service | $723 |
| DSCR Ratio | 1.36x |
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 1976
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 1976
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: Nick Spicuzza • Realty Source Incorporated
Mls Name: SDMLS
Mls ID: #250044583