14944 Morning Glory StOro GrandeCA92368
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 14944 Morning Glory St, Oro Grande, CA, 92368 in Oro Grande at $241,888 earns $1,639/mo in rent and nets $143/mo after the $1,088/mo payment, a 8.13% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,829 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $2,228/yr in principal paydown, total projected return reaches $100,898.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $143 | $1,200 |
City averages based on Oro Grande market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,639 |
| Total Monthly Debt Service | $1,400 |
| 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.
Manufactured
Built in 1981
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92368, Oro Grande, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 428 (100%) |
| Owner Occupied HU | 192 (44.9%) |
| Renter Occupied HU | 113 (26.4%) |
| Vacant Housing Units | 123 (28.7%) |
| Median Home Value | $385,000 |
| Average Home Value | $397,227 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
36
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
Manufactured
Built in 1981
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92368, Oro Grande, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 428 (100%) |
| Owner Occupied HU | 192 (44.9%) |
| Renter Occupied HU | 113 (26.4%) |
| Vacant Housing Units | 123 (28.7%) |
| Median Home Value | $385,000 |
| Average Home Value | $397,227 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A