18820 Cerise AveTorranceCA90504
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 18820 Cerise Ave, Torrance, CA, 90504 in Torrance earns a 9.41% gross yield at $999,990. Rent of $7,838/mo nets $1,652/mo after the $4,497/mo mortgage. The 1.74 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $276,279 and $9,210/yr in equity accumulation project a total cumulative return of $485,451.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 4.5% |
| Monthly Cash Flow | $1,652 | $250 |
City averages based on Torrance market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,838 |
| Total Monthly Debt Service | $5,788 |
| DSCR Ratio | 1.35x |
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 1953
5,651 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90504, Torrance, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,080 (100%) |
| Owner Occupied HU | 6,916 (57.3%) |
| Renter Occupied HU | 4,795 (39.7%) |
| Vacant Housing Units | 369 ( 3.1%) |
| Median Home Value | $902,582 |
| Average Home Value | $961,885 |
Housing Distribution
Address Breakdown
Residential
11,925
Single Family
8,362
Multi-Family
3,563
Businesses
932
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 1953
5,651 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90504, Torrance, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,080 (100%) |
| Owner Occupied HU | 6,916 (57.3%) |
| Renter Occupied HU | 4,795 (39.7%) |
| Vacant Housing Units | 369 ( 3.1%) |
| Median Home Value | $902,582 |
| Average Home Value | $961,885 |
Housing Distribution
Address Breakdown
Residential
11,925
Single Family
8,362
Multi-Family
3,563
Businesses
932
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices