145 S Earlham StOrangeCA92869
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 145 S Earlham St, Orange, CA, 92869 in Orange. At $770,000 it earns $5,417/mo in rent and distributes $653/mo to the owner after the $3,462/mo payment, a consistent 8.44% yield. DSCR 1.56 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $212,737 in value; $7,092/yr in principal paydown compounds ownership stake. Total projected return: $334,076.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.2% |
| Monthly Cash Flow | $653 | $1,200 |
City averages based on Orange market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,417 |
| Total Monthly Debt Service | $4,457 |
| DSCR Ratio | 1.22x |
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 1927
6,075 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92869, Orange, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,095 (100%) |
| Owner Occupied HU | 8,872 (73.4%) |
| Renter Occupied HU | 2,940 (24.3%) |
| Vacant Housing Units | 283 ( 2.3%) |
| Median Home Value | $1,072,388 |
| Average Home Value | $1,183,430 |
Housing Distribution
Address Breakdown
Residential
12,088
Single Family
10,537
Multi-Family
1,551
Businesses
428
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 1927
6,075 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92869, Orange, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,095 (100%) |
| Owner Occupied HU | 8,872 (73.4%) |
| Renter Occupied HU | 2,940 (24.3%) |
| Vacant Housing Units | 283 ( 2.3%) |
| Median Home Value | $1,072,388 |
| Average Home Value | $1,183,430 |
Housing Distribution
Address Breakdown
Residential
12,088
Single Family
10,537
Multi-Family
1,551
Businesses
428
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices