14625 Mussey Grade Rd #R6RamonaCA92065
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 14625 Mussey Grade Rd #R6, Ramona, CA, 92065 in Ramona. At $103,564 it earns $2,100/mo in rent and distributes $259/mo to the owner after the $466/mo payment, a consistent 24.33% yield. DSCR 4.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $28,613 in value; $954/yr in principal paydown compounds ownership stake. Total projected return: $61,212.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 24.3% | 5.5% |
| Monthly Cash Flow | $259 | $300 |
City averages based on Ramona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,100 |
| Total Monthly Debt Service | $1,799 |
| DSCR Ratio | 1.17x |
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.
Home Type Unknown
Built in 2024
N/A lot
$N/A/sqft
$1,200 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92065, Ramona, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,104 (100%) |
| Owner Occupied HU | 9,395 (71.7%) |
| Renter Occupied HU | 3,225 (24.6%) |
| Vacant Housing Units | 484 ( 3.7%) |
| Median Home Value | $841,572 |
| Average Home Value | $884,246 |
Housing Distribution
Address Breakdown
Residential
12,387
Single Family
10,800
Multi-Family
1,587
Businesses
1,041
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
Home Type Unknown
Built in 2024
N/A lot
$N/A/sqft
$1,200 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92065, Ramona, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,104 (100%) |
| Owner Occupied HU | 9,395 (71.7%) |
| Renter Occupied HU | 3,225 (24.6%) |
| Vacant Housing Units | 484 ( 3.7%) |
| Median Home Value | $841,572 |
| Average Home Value | $884,246 |
Housing Distribution
Address Breakdown
Residential
12,387
Single Family
10,800
Multi-Family
1,587
Businesses
1,041
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices