20805 E Calora St APT G8CovinaCA91724
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 20805 E Calora St APT G8, Covina, CA, 91724 in Covina at $600,000 earns $3,863/mo in rent and nets $151/mo after the $2,844/mo payment, a 7.73% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $165,769 over five years. Ziffy Mortgage underwrites this on a 1.36 DSCR without U.S. credit history. With $5,030/yr in principal paydown, total projected return reaches $225,960.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.2% |
| Monthly Cash Flow | $151 | $300 |
City averages based on Covina market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,863 |
| Total Monthly Debt Service | $3,619 |
| DSCR Ratio | 1.07x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1984
3.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91724, Covina, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,322 (100%) |
| Owner Occupied HU | 6,184 (66.3%) |
| Renter Occupied HU | 2,858 (30.7%) |
| Vacant Housing Units | 280 ( 3.0%) |
| Median Home Value | $797,170 |
| Average Home Value | $821,273 |
Housing Distribution
Address Breakdown
Residential
8,807
Single Family
7,528
Multi-Family
1,279
Businesses
607
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Catherine Salerno • Berkshire Hathaway HomeServices California Properties
Mls Name: CRMLS
Mls ID: #SB25190325
