15165 State StOro GrandeCA92368
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Oro Grande rentals match the income profile of 15165 State St, Oro Grande, CA, 92368. Listed at $269,000, gross rent is $2,669/mo and net cash flow is $1,005/mo, a 11.91% yield well above national averages. DSCR 2.21 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $74,320 by year five with $2,478/yr in annual principal reduction, projecting $166,657 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.0% |
| Monthly Cash Flow | $1,005 | $1,200 |
City averages based on Oro Grande market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,669 |
| Total Monthly Debt Service | $1,557 |
| DSCR Ratio | 1.71x |
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 1926
8,578 sqft 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
Single Family
Built in 1926
8,578 sqft 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