186 Ana StImperialCA92251
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 186 Ana St, Imperial, CA, 92251 in Imperial at $465,000 earns $3,104/mo in rent and nets $151/mo after the $2,091/mo payment, a 8.01% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $128,471 over five years. Ziffy Mortgage underwrites this on a 1.48 DSCR without U.S. credit history. With $4,283/yr in principal paydown, total projected return reaches $186,354.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.2% |
| Monthly Cash Flow | $151 | $350 |
City averages based on Imperial market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,104 |
| Total Monthly Debt Service | $2,768 |
| DSCR Ratio | 1.12x |
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 2021
3,780 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92251, Imperial, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,325 (100%) |
| Owner Occupied HU | 5,105 (69.7%) |
| Renter Occupied HU | 1,949 (26.6%) |
| Vacant Housing Units | 271 ( 3.7%) |
| Median Home Value | $357,752 |
| Average Home Value | $374,368 |
Housing Distribution
Address Breakdown
Residential
7,800
Single Family
7,604
Multi-Family
196
Businesses
373
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 2021
3,780 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92251, Imperial, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,325 (100%) |
| Owner Occupied HU | 5,105 (69.7%) |
| Renter Occupied HU | 1,949 (26.6%) |
| Vacant Housing Units | 271 ( 3.7%) |
| Median Home Value | $357,752 |
| Average Home Value | $374,368 |
Housing Distribution
Address Breakdown
Residential
7,800
Single Family
7,604
Multi-Family
196
Businesses
373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Moises Hernandez • DMA Real Estate
Mls Name: ICAOR
Mls Provider:
Mls ID: #25582221IC
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.