1430 Bilberry LnBanningCA92220
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1430 Bilberry Ln, Banning, CA, 92220 in Banning speaks for itself: 10.31% gross on a $590,990 price, generating $5,078/mo in rent and $1,422/mo in net income after the $2,657/mo debt service. DSCR 1.91, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $17,069 stacks alongside $163,280 in projected five-year appreciation and $5,443/yr in principal reduction. Projected total cumulative return: $315,638.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.0% |
| Monthly Cash Flow | $1,422 | $1,500 |
City averages based on Banning market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,078 |
| Total Monthly Debt Service | $3,421 |
| DSCR Ratio | 1.48x |
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92220, Banning, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,184 (100%) |
| Owner Occupied HU | 9,545 (67.3%) |
| Renter Occupied HU | 3,802 (26.8%) |
| Vacant Housing Units | 837 ( 5.9%) |
| Median Home Value | $444,674 |
| Average Home Value | $504,781 |
Housing Distribution
Address Breakdown
Residential
12,885
Single Family
12,559
Multi-Family
326
Businesses
695
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92220, Banning, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,184 (100%) |
| Owner Occupied HU | 9,545 (67.3%) |
| Renter Occupied HU | 3,802 (26.8%) |
| Vacant Housing Units | 837 ( 5.9%) |
| Median Home Value | $444,674 |
| Average Home Value | $504,781 |
Housing Distribution
Address Breakdown
Residential
12,885
Single Family
12,559
Multi-Family
326
Businesses
695
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices