181 E Olive StSan BernardinoCA92410
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 181 E Olive St, San Bernardino, CA, 92410 in San Bernardino at $435,000 earns $2,800/mo in rent and nets $109/mo after the $1,956/mo payment, a 7.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $120,182 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $4,006/yr in principal paydown, total projected return reaches $171,991.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 4.8% |
| Monthly Cash Flow | $109 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,800 |
| Total Monthly Debt Service | $2,518 |
| DSCR Ratio | 1.11x |
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 1934
6,419 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92410, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,442 (100%) |
| Owner Occupied HU | 6,100 (42.2%) |
| Renter Occupied HU | 7,846 (54.3%) |
| Vacant Housing Units | 496 ( 3.4%) |
| Median Home Value | $304,992 |
| Average Home Value | $347,184 |
Housing Distribution
Address Breakdown
Residential
14,196
Single Family
11,534
Multi-Family
2,662
Businesses
1,055
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 1934
6,419 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92410, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,442 (100%) |
| Owner Occupied HU | 6,100 (42.2%) |
| Renter Occupied HU | 7,846 (54.3%) |
| Vacant Housing Units | 496 ( 3.4%) |
| Median Home Value | $304,992 |
| Average Home Value | $347,184 |
Housing Distribution
Address Breakdown
Residential
14,196
Single Family
11,534
Multi-Family
2,662
Businesses
1,055
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices