1364 Pinedale AveBloomingtonCA92316
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1364 Pinedale Ave, Bloomington, CA, 92316 in Bloomington worth study. Rental yield 5.66%. The 5.66% gross yield is below cash-flow benchmarks at $635,000, but 5% annual appreciation, adding $175,439 over five years, frames this as a capital growth position. Rent of $2,994/mo partially offsets the $2,855/mo payment. Ziffy Mortgage finances appreciation-play properties (1.05 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $180,689.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.5% |
| Monthly Cash Flow | $(934) | $300 |
City averages based on Bloomington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,994 |
| Total Monthly Debt Service | $3,676 |
| DSCR Ratio | 0.81x |
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 1975
7,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92316, Bloomington, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,278 (100%) |
| Owner Occupied HU | 5,635 (68.1%) |
| Renter Occupied HU | 2,462 (29.7%) |
| Vacant Housing Units | 181 ( 2.2%) |
| Median Home Value | $482,905 |
| Average Home Value | $497,214 |
Housing Distribution
Address Breakdown
Residential
7,517
Single Family
7,205
Multi-Family
312
Businesses
731
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 1975
7,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92316, Bloomington, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,278 (100%) |
| Owner Occupied HU | 5,635 (68.1%) |
| Renter Occupied HU | 2,462 (29.7%) |
| Vacant Housing Units | 181 ( 2.2%) |
| Median Home Value | $482,905 |
| Average Home Value | $497,214 |
Housing Distribution
Address Breakdown
Residential
7,517
Single Family
7,205
Multi-Family
312
Businesses
731
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices