1865 Key Largo RdVistaCA92081
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 1865 Key Largo Rd, Vista, CA, 92081 in Vista is listed at $795,000 and delivers $6,377/mo in rent and $1,040/mo in net monthly cash flow. The 9.63% yield and 1.78 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $219,644 over five years, and $7,322/yr in principal reduction supplements cash return. Total projected cumulative return: $370,209.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $1,040 | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,377 |
| Total Monthly Debt Service | $5,021 |
| DSCR Ratio | 1.27x |
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 1991
N/A lot
$N/A/sqft
$419 monthly HOA
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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 1991
N/A lot
$N/A/sqft
$419 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices