15380 Via La GitanoPowayCA92064
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 15380 Via La Gitano, Poway, CA, 92064 in Poway fits: $1,156,600, 5.42% gross yield, and a projected 5% annual appreciation rate adding $319,547 in value within five years. Rental yield 5.42%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.01) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,652/yr in principal paydown and $319,547 in appreciation project a total return of $314,565.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(1,927) | $350 |
City averages based on Poway market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,228 |
| Total Monthly Debt Service | $6,695 |
| DSCR Ratio | 0.78x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1973
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92064, Poway, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,268 (100%) |
| Owner Occupied HU | 12,483 (72.3%) |
| Renter Occupied HU | 4,052 (23.5%) |
| Vacant Housing Units | 733 ( 4.2%) |
| Median Home Value | $1,066,830 |
| Average Home Value | $1,180,389 |
Housing Distribution
Address Breakdown
Residential
16,771
Single Family
14,690
Multi-Family
2,081
Businesses
1,525
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 1973
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92064, Poway, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,268 (100%) |
| Owner Occupied HU | 12,483 (72.3%) |
| Renter Occupied HU | 4,052 (23.5%) |
| Vacant Housing Units | 733 ( 4.2%) |
| Median Home Value | $1,066,830 |
| Average Home Value | $1,180,389 |
Housing Distribution
Address Breakdown
Residential
16,771
Single Family
14,690
Multi-Family
2,081
Businesses
1,525
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