149 W 6th St APT 30San BernardinoCA92401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 149 W 6th St APT 30, San Bernardino, CA, 92401 in San Bernardino is the 1.72 coverage ratio: rent of $1,668/mo versus a $967/mo debt payment on a $215,000 property. Rental yield 9.31%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $59,401 by year five, with $1,980/yr in equity from paydown. Total projected cumulative return: $103,288.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 4.8% |
| Monthly Cash Flow | $(58) | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,668 |
| Total Monthly Debt Service | $1,244 |
| DSCR Ratio | 1.34x |
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.
Condo
Built in 1981
676 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92401, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 605 (100%) |
| Owner Occupied HU | 90 (14.9%) |
| Renter Occupied HU | 469 (77.5%) |
| Vacant Housing Units | 46 ( 7.6%) |
| Median Home Value | $310,256 |
| Average Home Value | $396,417 |
Housing Distribution
Address Breakdown
Residential
714
Single Family
338
Multi-Family
376
Businesses
530
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
Condo
Built in 1981
676 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92401, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 605 (100%) |
| Owner Occupied HU | 90 (14.9%) |
| Renter Occupied HU | 469 (77.5%) |
| Vacant Housing Units | 46 ( 7.6%) |
| Median Home Value | $310,256 |
| Average Home Value | $396,417 |
Housing Distribution
Address Breakdown
Residential
714
Single Family
338
Multi-Family
376
Businesses
530
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #IG25265680