12285 Golden View RdPinon HillsCA92372
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 12285 Golden View Rd, Pinon Hills, CA, 92372 in Pinon Hills fits: $455,000, 4.64% gross yield, and a projected 5% annual appreciation rate adding $125,708 in value within five years. Rental yield 4.64%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.86) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,191/yr in principal paydown and $125,708 in appreciation project a total return of $104,554.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.0% |
| Monthly Cash Flow | $(1,057) | $500 |
City averages based on Pinon Hills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,758 |
| Total Monthly Debt Service | $2,634 |
| DSCR Ratio | 0.67x |
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.
Manufactured
Built in 1993
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92372, Pinon Hills, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,148 (100%) |
| Owner Occupied HU | 1,526 (71.0%) |
| Renter Occupied HU | 415 (19.3%) |
| Vacant Housing Units | 207 ( 9.6%) |
| Median Home Value | $546,364 |
| Average Home Value | $698,929 |
Housing Distribution
Address Breakdown
Residential
594
Single Family
594
Multi-Family
0
Businesses
23
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 1993
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92372, Pinon Hills, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,148 (100%) |
| Owner Occupied HU | 1,526 (71.0%) |
| Renter Occupied HU | 415 (19.3%) |
| Vacant Housing Units | 207 ( 9.6%) |
| Median Home Value | $546,364 |
| Average Home Value | $698,929 |
Housing Distribution
Address Breakdown
Residential
594
Single Family
594
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Kazarian • OKAS Realty Group
Mls Name: CRMLS
Mls ID: #SR25161077