13664 Earlham DrWhittierCA90602
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 13664 Earlham Dr, Whittier, CA, 90602 in Whittier fits: $935,000, 3.91% gross yield, and a projected 5% annual appreciation rate adding $258,323 in value within five years. Rental yield 3.91%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.72) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,611/yr in principal paydown and $258,323 in appreciation project a total return of $178,450.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.5% |
| Monthly Cash Flow | $(2,737) | $200 |
City averages based on Whittier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,047 |
| Total Monthly Debt Service | $5,412 |
| DSCR Ratio | 0.56x |
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.
Multi Family
Built in 1936
6,187 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90602, Whittier, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,426 (100%) |
| Owner Occupied HU | 3,466 (36.8%) |
| Renter Occupied HU | 5,572 (59.1%) |
| Vacant Housing Units | 388 ( 4.1%) |
| Median Home Value | $781,602 |
| Average Home Value | $824,171 |
Housing Distribution
Address Breakdown
Residential
8,997
Single Family
5,647
Multi-Family
3,350
Businesses
750
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
Multi Family
Built in 1936
6,187 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90602, Whittier, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,426 (100%) |
| Owner Occupied HU | 3,466 (36.8%) |
| Renter Occupied HU | 5,572 (59.1%) |
| Vacant Housing Units | 388 ( 4.1%) |
| Median Home Value | $781,602 |
| Average Home Value | $824,171 |
Housing Distribution
Address Breakdown
Residential
8,997
Single Family
5,647
Multi-Family
3,350
Businesses
750
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ben Ong • Manna Realty
Mls Name: CRMLS
Mls ID: #RS25218947