1364 W 15th StSan BernardinoCA92411
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1364 W 15th St, San Bernardino, CA, 92411 in San Bernardino at $479,000 earns $2,995/mo in rent and nets $32/mo after the $2,154/mo payment, a 7.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $132,339 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $4,412/yr in principal paydown, total projected return reaches $183,703.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 4.8% |
| Monthly Cash Flow | $32 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,995 |
| Total Monthly Debt Service | $2,773 |
| DSCR Ratio | 1.08x |
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 1935
10,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92411, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,191 (100%) |
| Owner Occupied HU | 3,419 (47.5%) |
| Renter Occupied HU | 3,522 (49.0%) |
| Vacant Housing Units | 250 ( 3.5%) |
| Median Home Value | $375,081 |
| Average Home Value | $394,797 |
Housing Distribution
Address Breakdown
Residential
6,982
Single Family
6,455
Multi-Family
527
Businesses
434
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 1935
10,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92411, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,191 (100%) |
| Owner Occupied HU | 3,419 (47.5%) |
| Renter Occupied HU | 3,522 (49.0%) |
| Vacant Housing Units | 250 ( 3.5%) |
| Median Home Value | $375,081 |
| Average Home Value | $394,797 |
Housing Distribution
Address Breakdown
Residential
6,982
Single Family
6,455
Multi-Family
527
Businesses
434
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Art Casas • Quality Homes & Loans, Inc.
Mls Name: CRMLS
Mls ID: #CV26013637