197 Royal WayUplandCA91786
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow197 Royal Way, Upland, CA, 91786 in Upland is a top-tier cash-flow asset. At $605,000 it produces $5,366/mo in rent and $1,341/mo in net monthly income, a 10.64% gross rental yield. The DSCR of 1.97 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $16,096. Five-year appreciation adds $167,150, driving a total cumulative return of $316,986.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 5.2% |
| Monthly Cash Flow | $1,341 | $230 |
City averages based on Upland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,366 |
| Total Monthly Debt Service | $3,784 |
| DSCR Ratio | 1.42x |
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.
Townhouse
Built in 2016
N/A lot
$N/A/sqft
$230 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
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
Townhouse
Built in 2016
N/A lot
$N/A/sqft
$230 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices