149 W 6th St APT 55San BernardinoCA92401
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 149 W 6th St APT 55, San Bernardino, CA, 92401 in San Bernardino speaks for itself: 13.08% gross on a $235,000 price, generating $2,562/mo in rent and $718/mo in net income after the $1,057/mo debt service. DSCR 2.42, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,619 stacks alongside $64,926 in projected five-year appreciation and $2,164/yr in principal reduction. Projected total cumulative return: $137,036.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.1% | 4.8% |
| Monthly Cash Flow | $718 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,562 |
| Total Monthly Debt Service | $1,750 |
| DSCR Ratio | 1.46x |
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
886 sqft lot
$N/A/sqft
$390 monthly 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
886 sqft lot
$N/A/sqft
$390 monthly 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