16902 Via De Santa Fe #7Rancho Santa FeCA92091
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 16902 Via De Santa Fe #7, Rancho Santa Fe, CA, 92091 in Rancho Santa Fe. Rental yield 4.08%. At $1,800,000 with 4.08% gross yield, current distributions are modest, but the 5% appreciation rate projects $497,307 in new equity by year five, complemented by $16,578/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.76) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $359,437.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(5,670) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $6,115 |
| Total Monthly Debt Service | $10,419 |
| DSCR Ratio | 0.59x |
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.
Condo
Built in 1971
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92091, Rancho Santa Fe, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,602 (100%) |
| Owner Occupied HU | 1,194 (74.5%) |
| Renter Occupied HU | 184 (11.5%) |
| Vacant Housing Units | 224 (14.0%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,795,647 |
Housing Distribution
Address Breakdown
Residential
876
Single Family
611
Multi-Family
265
Businesses
56
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
Condo
Built in 1971
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92091, Rancho Santa Fe, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,602 (100%) |
| Owner Occupied HU | 1,194 (74.5%) |
| Renter Occupied HU | 184 (11.5%) |
| Vacant Housing Units | 224 (14.0%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,795,647 |
Housing Distribution
Address Breakdown
Residential
876
Single Family
611
Multi-Family
265
Businesses
56
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alexandra Crum • Coldwell Banker Realty
Mls Name: CRMLS
Mls ID: #NDP2600896