1420 Garfield AveSan MarinoCA91108
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1420 Garfield Ave, San Marino, CA, 91108 in San Marino at $1,699,999, 5.98% gross yield, is a market-growth asset. Rental yield 5.98%. The $8,466/mo rent partially funds the $7,644/mo debt service; the core return is the 5%/yr price growth projected to add $469,678 over five years. Ziffy Mortgage's DSCR mortgage (1.11) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $512,671.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 4.5% |
| Monthly Cash Flow | $(2,050) | $2,500 |
City averages based on San Marino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,466 |
| Total Monthly Debt Service | $9,840 |
| DSCR Ratio | 0.86x |
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 1948
8,990 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91108, San Marino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,488 (100%) |
| Owner Occupied HU | 3,575 (79.7%) |
| Renter Occupied HU | 654 (14.6%) |
| Vacant Housing Units | 259 ( 5.8%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,984,936 |
Housing Distribution
Address Breakdown
Residential
4,515
Single Family
4,515
Multi-Family
0
Businesses
431
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 1948
8,990 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91108, San Marino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,488 (100%) |
| Owner Occupied HU | 3,575 (79.7%) |
| Renter Occupied HU | 654 (14.6%) |
| Vacant Housing Units | 259 ( 5.8%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,984,936 |
Housing Distribution
Address Breakdown
Residential
4,515
Single Family
4,515
Multi-Family
0
Businesses
431
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices