16785 Elm StHesperiaCA92345
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 16785 Elm St, Hesperia, CA, 92345 in Hesperia: $3,010/mo in rent, $1,000/mo net, 11.12% gross yield, all on a $324,900 acquisition. The 2.06 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $89,764 in value, and $2,992/yr in principal paydown steadily builds equity. Projected total cumulative return: $187,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.0% |
| Monthly Cash Flow | $1,000 | $350 |
City averages based on Hesperia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,010 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 1.60x |
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 1973
0.53 Acres lot
$N/A/sqft
No HOA
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
0.53 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices