13206 Sierra Moreno WayVictorvilleCA92394
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 13206 Sierra Moreno Way, Victorville, CA, 92394 in Victorville is capital appreciation. Rental yield 4.29%. The 4.29% gross yield at $528,990 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $146,150 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.79) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $111,607.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.8% |
| Monthly Cash Flow | $(1,382) | $1,250 |
City averages based on Victorville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,890 |
| Total Monthly Debt Service | $3,062 |
| DSCR Ratio | 0.62x |
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.
Single Family
Built in 2024
7,631 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92394, Victorville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,322 (100%) |
| Owner Occupied HU | 6,644 (58.7%) |
| Renter Occupied HU | 4,212 (37.2%) |
| Vacant Housing Units | 466 ( 4.1%) |
| Median Home Value | $372,833 |
| Average Home Value | $391,726 |
Housing Distribution
Address Breakdown
Residential
10,525
Single Family
10,289
Multi-Family
236
Businesses
213
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 2024
7,631 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92394, Victorville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,322 (100%) |
| Owner Occupied HU | 6,644 (58.7%) |
| Renter Occupied HU | 4,212 (37.2%) |
| Vacant Housing Units | 466 ( 4.1%) |
| Median Home Value | $372,833 |
| Average Home Value | $391,726 |
Housing Distribution
Address Breakdown
Residential
10,525
Single Family
10,289
Multi-Family
236
Businesses
213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices