12475 Midway RdLucerne ValleyCA92356
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 12475 Midway Rd, Lucerne Valley, CA, 92356 in Lucerne Valley deserves attention. This $129,000 property earns $2,000/mo in rent, a 18.61% gross yield, and nets $1,202/mo after the $580/mo payment. DSCR 3.45 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $35,640 compounds alongside $1,188/yr in yearly equity build, for a total cumulative return of $126,288.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.6% | 6.0% |
| Monthly Cash Flow | $1,202 | $1,500 |
City averages based on Lucerne Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,000 |
| Total Monthly Debt Service | $747 |
| DSCR Ratio | 2.68x |
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.
Single Family
Built in 1955
4.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92356, Lucerne Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,035 (100%) |
| Owner Occupied HU | 1,513 (49.9%) |
| Renter Occupied HU | 675 (22.2%) |
| Vacant Housing Units | 847 (27.9%) |
| Median Home Value | $226,934 |
| Average Home Value | $287,074 |
Housing Distribution
Address Breakdown
Residential
1,758
Single Family
1,758
Multi-Family
0
Businesses
164
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 1955
4.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92356, Lucerne Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,035 (100%) |
| Owner Occupied HU | 1,513 (49.9%) |
| Renter Occupied HU | 675 (22.2%) |
| Vacant Housing Units | 847 (27.9%) |
| Median Home Value | $226,934 |
| Average Home Value | $287,074 |
Housing Distribution
Address Breakdown
Residential
1,758
Single Family
1,758
Multi-Family
0
Businesses
164
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Omar Alfaro • Real Brokerage Technologies
Mls Name: CRMLS
Mls ID: #HD25177127