12793 Cottonwood Rd, Whitewater, CA, 92282 | 6.86% Rental Yield

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Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Total monthly income runs $3,145/mo, and a $2,692/mo payment. Purchase price stands at $550,000, and rental yield measures 6.86% with $3,145/mo rent. Return on cash invested shows 18.35% in year one, and 5% annual appreciation builds toward $151,955 over five years. Five-year ROI reaches 94.47% and total cumulative return in cash records $170,938. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $3,145/mo property income covering a $2,692/mo payment rather than investor’s personal income.

Single Family

Built in 2024

0.26 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 92282, White Water, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	639 (100%)
Owner Occupied HU	401 (62.8%)
Renter Occupied HU	136 (21.3%)
Vacant Housing Units	102 (16.0%)
Median Home Value	$529,605
Average Home Value	$599,034