1839 Saint Thomas RdVistaCA92081
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 1839 Saint Thomas Rd, Vista, CA, 92081 in Vista at $850,000. Rental yield 6.06%. The 6.06% yield and 1.12 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $234,839 by year five, and $7,829/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $260,362.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.0% |
| Monthly Cash Flow | $(1,176) | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,295 |
| Total Monthly Debt Service | $4,920 |
| DSCR Ratio | 0.87x |
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 1998
1.09 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 1998
1.09 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Delgado • First Team Real Estate
Mls Name: CRMLS
Mls ID: #NDP2600810