16 SageLake ForestCA92630
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 16 Sage, Lake Forest, CA, 92630 in Lake Forest is capital appreciation. Rental yield 3.95%. The 3.95% gross yield at $1,710,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $472,441 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.73) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $313,731.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.5% |
| Monthly Cash Flow | $(5,220) | $600 |
City averages based on Lake Forest market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,633 |
| Total Monthly Debt Service | $10,172 |
| DSCR Ratio | 0.55x |
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 2015
3,142 sqft lot
$N/A/sqft
$274 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92630, Lake Forest, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,999 (100%) |
| Owner Occupied HU | 16,485 (65.9%) |
| Renter Occupied HU | 7,887 (31.5%) |
| Vacant Housing Units | 627 ( 2.5%) |
| Median Home Value | $956,523 |
| Average Home Value | $1,036,021 |
Housing Distribution
Address Breakdown
Residential
24,460
Single Family
21,980
Multi-Family
2,480
Businesses
2,022
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 2015
3,142 sqft lot
$N/A/sqft
$274 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92630, Lake Forest, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,999 (100%) |
| Owner Occupied HU | 16,485 (65.9%) |
| Renter Occupied HU | 7,887 (31.5%) |
| Vacant Housing Units | 627 ( 2.5%) |
| Median Home Value | $956,523 |
| Average Home Value | $1,036,021 |
Housing Distribution
Address Breakdown
Residential
24,460
Single Family
21,980
Multi-Family
2,480
Businesses
2,022
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices