2138 W West LincolnSan BernardinoCA92411
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2138 W West Lincoln, San Bernardino, CA, 92411 in San Bernardino is priced for appreciation, not yield. Rental yield 4.8%. At $599,999 with a 4.8% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $165,769 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.84) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $131,819.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 4.8% |
| Monthly Cash Flow | $(1,312) | $850 |
City averages based on San Bernardino 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 | $2,400 |
| Total Monthly Debt Service | $3,619 |
| DSCR Ratio | 0.66x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 2003
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92411, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,191 (100%) |
| Owner Occupied HU | 3,419 (47.5%) |
| Renter Occupied HU | 3,522 (49.0%) |
| Vacant Housing Units | 250 ( 3.5%) |
| Median Home Value | $375,081 |
| Average Home Value | $394,797 |
Housing Distribution
Address Breakdown
Residential
6,982
Single Family
6,455
Multi-Family
527
Businesses
434
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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
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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls Provider:
Mls ID: #WS26195360
