21838 Crestline RdPalomar MountainCA92060
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 21838 Crestline Rd, Palomar Mountain, CA, 92060 in Palomar Mountain. Rental yield 1.83%. At $775,000 with 1.83% gross yield, current distributions are modest, but the 5% appreciation rate projects $214,118 in new equity by year five, complemented by $7,138/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.34) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $61,386.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 8.2% |
| Monthly Cash Flow | $(3,612) | $1,200 |
City averages based on Palomar Mountain market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,182 |
| Total Monthly Debt Service | $4,486 |
| DSCR Ratio | 0.26x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1986
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92060, Palomar Mountain, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 44 (100%) |
| Owner Occupied HU | 16 (36.4%) |
| Renter Occupied HU | 11 (25.0%) |
| Vacant Housing Units | 17 (38.6%) |
| Median Home Value | $607,143 |
| Average Home Value | $855,938 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
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 1986
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92060, Palomar Mountain, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 44 (100%) |
| Owner Occupied HU | 16 (36.4%) |
| Renter Occupied HU | 11 (25.0%) |
| Vacant Housing Units | 17 (38.6%) |
| Median Home Value | $607,143 |
| Average Home Value | $855,938 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacey L Boyer • The Broker Network
Mls Name: SDMLS
Mls ID: #250037714