1635 Carmel Cir WUplandCA91784
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1635 Carmel Cir W, Upland, CA, 91784 in Upland worth study. Rental yield 5.21%. The 5.21% gross yield is below cash-flow benchmarks at $580,000, but 5% annual appreciation, adding $160,243 over five years, frames this as a capital growth position. Rent of $2,520/mo partially offsets the $2,608/mo payment. Ziffy Mortgage finances appreciation-play properties (0.97 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $151,193.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 5.2% |
| Monthly Cash Flow | $(1,538) | $230 |
City averages based on Upland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,520 |
| Total Monthly Debt Service | $3,357 |
| DSCR Ratio | 0.75x |
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 1974
1,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91784, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,952 (100%) |
| Owner Occupied HU | 8,289 (83.3%) |
| Renter Occupied HU | 1,473 (14.8%) |
| Vacant Housing Units | 190 ( 1.9%) |
| Median Home Value | $844,917 |
| Average Home Value | $878,450 |
Housing Distribution
Address Breakdown
Residential
10,109
Single Family
10,078
Multi-Family
31
Businesses
177
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 1974
1,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91784, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,952 (100%) |
| Owner Occupied HU | 8,289 (83.3%) |
| Renter Occupied HU | 1,473 (14.8%) |
| Vacant Housing Units | 190 ( 1.9%) |
| Median Home Value | $844,917 |
| Average Home Value | $878,450 |
Housing Distribution
Address Breakdown
Residential
10,109
Single Family
10,078
Multi-Family
31
Businesses
177
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #CV26066448