137 Saint Francis St #ASan GabrielCA91776
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 137 Saint Francis St #A, San Gabriel, CA, 91776 in San Gabriel fits: $910,000, 5.63% gross yield, and a projected 5% annual appreciation rate adding $251,416 in value within five years. Rental yield 5.63%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.04) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,381/yr in principal paydown and $251,416 in appreciation project a total return of $257,372.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 5.5% |
| Monthly Cash Flow | $(1,365) | $300 |
City averages based on San Gabriel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,267 |
| Total Monthly Debt Service | $5,267 |
| 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.
Townhouse
Built in 2024
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91776, San Gabriel, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,529 (100%) |
| Owner Occupied HU | 4,621 (36.9%) |
| Renter Occupied HU | 7,343 (58.6%) |
| Vacant Housing Units | 565 ( 4.5%) |
| Median Home Value | $890,880 |
| Average Home Value | $955,745 |
Housing Distribution
Address Breakdown
Residential
12,339
Single Family
8,281
Multi-Family
4,058
Businesses
1,838
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
Townhouse
Built in 2024
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91776, San Gabriel, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,529 (100%) |
| Owner Occupied HU | 4,621 (36.9%) |
| Renter Occupied HU | 7,343 (58.6%) |
| Vacant Housing Units | 565 ( 4.5%) |
| Median Home Value | $890,880 |
| Average Home Value | $955,745 |
Housing Distribution
Address Breakdown
Residential
12,339
Single Family
8,281
Multi-Family
4,058
Businesses
1,838
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jonathan Minerick • Homecoin.com
Mls Name: CRMLS
Mls ID: #TR25278927