2249 Serrano RdSan BernardinoCA92405
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2249 Serrano Rd, San Bernardino, CA, 92405 in San Bernardino fits: $665,000, 3.48% gross yield, and a projected 5% annual appreciation rate adding $183,727 in value within five years. Rental yield 3.48%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.64) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,125/yr in principal paydown and $183,727 in appreciation project a total return of $111,473.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 4.8% |
| Monthly Cash Flow | $(2,187) | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,927 |
| Total Monthly Debt Service | $3,849 |
| DSCR Ratio | 0.50x |
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 1926
7,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92405, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,649 (100%) |
| Owner Occupied HU | 4,573 (47.4%) |
| Renter Occupied HU | 4,731 (49.0%) |
| Vacant Housing Units | 345 ( 3.6%) |
| Median Home Value | $440,385 |
| Average Home Value | $461,102 |
Housing Distribution
Address Breakdown
Residential
9,347
Single Family
8,205
Multi-Family
1,142
Businesses
463
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 1926
7,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92405, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,649 (100%) |
| Owner Occupied HU | 4,573 (47.4%) |
| Renter Occupied HU | 4,731 (49.0%) |
| Vacant Housing Units | 345 ( 3.6%) |
| Median Home Value | $440,385 |
| Average Home Value | $461,102 |
Housing Distribution
Address Breakdown
Residential
9,347
Single Family
8,205
Multi-Family
1,142
Businesses
463
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Delia Del Rio • First Team Real Estate
Mls Name: CRMLS
Mls ID: #PW26029277