1860 S 4th StEl CentroCA92243
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow1860 S 4th St, El Centro, CA, 92243 in El Centro earns its strong cash-flow label: 15.65% yield, $1,956/mo rent, $672/mo net income, DSCR 2.90. The $150,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $41,442 by year five. Combined with $1,382/yr in principal paydown, total projected return reaches $101,744.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.7% | 5.0% |
| Monthly Cash Flow | $672 | $300 |
City averages based on El Centro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,956 |
| Total Monthly Debt Service | $1,224 |
| 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.
Condo
Built in 1968
967 sqft lot
$N/A/sqft
$356 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92243, El Centro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,141 (100%) |
| Owner Occupied HU | 7,616 (44.4%) |
| Renter Occupied HU | 8,323 (48.6%) |
| Vacant Housing Units | 1,202 ( 7.0%) |
| Median Home Value | $323,340 |
| Average Home Value | $323,696 |
Housing Distribution
Address Breakdown
Residential
15,994
Single Family
13,457
Multi-Family
2,537
Businesses
1,683
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 1968
967 sqft lot
$N/A/sqft
$356 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92243, El Centro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,141 (100%) |
| Owner Occupied HU | 7,616 (44.4%) |
| Renter Occupied HU | 8,323 (48.6%) |
| Vacant Housing Units | 1,202 ( 7.0%) |
| Median Home Value | $323,340 |
| Average Home Value | $323,696 |
Housing Distribution
Address Breakdown
Residential
15,994
Single Family
13,457
Multi-Family
2,537
Businesses
1,683
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alcy Garcia • Gold Key Real Estate
Mls Name: ICAOR
Mls Provider:
Mls ID: #25536327IC
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.