1956 S Hartford PlSan BernardinoCA92408
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1956 S Hartford Pl, San Bernardino, CA, 92408 in San Bernardino at $638,000 earns $4,133/mo in rent and nets $57/mo after the $2,869/mo payment, a 7.77% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $176,268 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $5,876/yr in principal paydown, total projected return reaches $253,879.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 4.8% |
| Monthly Cash Flow | $57 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,133 |
| Total Monthly Debt Service | $3,693 |
| 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 2022
2,807 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92408, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,543 (100%) |
| Owner Occupied HU | 1,414 (31.1%) |
| Renter Occupied HU | 2,934 (64.6%) |
| Vacant Housing Units | 195 ( 4.3%) |
| Median Home Value | $461,815 |
| Average Home Value | $465,331 |
Housing Distribution
Address Breakdown
Residential
4,195
Single Family
2,978
Multi-Family
1,217
Businesses
2,218
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 2022
2,807 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92408, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,543 (100%) |
| Owner Occupied HU | 1,414 (31.1%) |
| Renter Occupied HU | 2,934 (64.6%) |
| Vacant Housing Units | 195 ( 4.3%) |
| Median Home Value | $461,815 |
| Average Home Value | $465,331 |
Housing Distribution
Address Breakdown
Residential
4,195
Single Family
2,978
Multi-Family
1,217
Businesses
2,218
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #IG26069399