16550 Vernon RdWhitewaterCA92282
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow16550 Vernon Rd, Whitewater, CA, 92282 in Whitewater is a top-tier cash-flow asset. At $375,000 it produces $5,038/mo in rent and $2,718/mo in net monthly income, a 16.12% gross rental yield. The DSCR of 2.99 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $32,613. Five-year appreciation adds $103,606, driving a total cumulative return of $317,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.1% | 6.0% |
| Monthly Cash Flow | $2,718 | $1,500 |
City averages based on Whitewater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,038 |
| Total Monthly Debt Service | $2,171 |
| DSCR Ratio | 2.32x |
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 1962
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92282, White Water, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 639 (100%) |
| Owner Occupied HU | 401 (62.8%) |
| Renter Occupied HU | 136 (21.3%) |
| Vacant Housing Units | 102 (16.0%) |
| Median Home Value | $529,605 |
| Average Home Value | $599,034 |
Housing Distribution
Address Breakdown
Residential
511
Single Family
511
Multi-Family
0
Businesses
6
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 1962
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92282, White Water, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 639 (100%) |
| Owner Occupied HU | 401 (62.8%) |
| Renter Occupied HU | 136 (21.3%) |
| Vacant Housing Units | 102 (16.0%) |
| Median Home Value | $529,605 |
| Average Home Value | $599,034 |
Housing Distribution
Address Breakdown
Residential
511
Single Family
511
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices