1940 Vineyard AveVistaCA92081
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 1940 Vineyard Ave, Vista, CA, 92081 in Vista is listed at $1,100,000 and delivers $7,757/mo in rent and $890/mo in net monthly cash flow. The 8.46% yield and 1.57 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 $303,910 over five years, and $10,131/yr in principal reduction supplements cash return. Total projected cumulative return: $474,671.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $890 | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,757 |
| Total Monthly Debt Service | $6,429 |
| DSCR Ratio | 1.21x |
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 1989
7,796 sqft lot
$N/A/sqft
$62 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
Single Family
Built in 1989
7,796 sqft lot
$N/A/sqft
$62 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices