12836 12th St APT 44ChinoCA91710
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 12836 12th St APT 44, Chino, CA, 91710 in Chino is narrow, $95/mo net on $2,723/mo rent after the $1,830/mo debt service, but the property operates at break-even-plus, not a loss. At $386,000 with a 8.46% yield, the long-run equity case via 5% appreciation ($106,645 over five years) and $3,236/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $160,685.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $95 | $1,200 |
City averages based on Chino market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,723 |
| Total Monthly Debt Service | $2,328 |
| DSCR Ratio | 1.17x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1979
1,024 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91710, Chino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,910 (100%) |
| Owner Occupied HU | 15,848 (63.6%) |
| Renter Occupied HU | 8,416 (33.8%) |
| Vacant Housing Units | 646 ( 2.6%) |
| Median Home Value | $678,992 |
| Average Home Value | $710,109 |
Housing Distribution
Address Breakdown
Residential
24,362
Single Family
21,899
Multi-Family
2,463
Businesses
3,155
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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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Listed by: N/A • N/A
Mls Name: CRMLS
Mls Provider:
Mls ID: #IV26198987
