23485 Calistoga PlRamonaCA92065
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 23485 Calistoga Pl, Ramona, CA, 92065 in Ramona hard to pass up. The 11.26% gross yield on a $945,000 purchase results in $8,864/mo in rent and $2,837/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.09). Annual cash flow of $34,050, five-year appreciation of $261,086, and $8,704/yr in equity build-up combine for a projected total cumulative return of $541,709.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 5.5% |
| Monthly Cash Flow | $2,837 | $300 |
City averages based on Ramona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,864 |
| Total Monthly Debt Service | $5,651 |
| DSCR Ratio | 1.57x |
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.
Single Family
Built in 1989
N/A lot
$N/A/sqft
$155 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92065, Ramona, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,104 (100%) |
| Owner Occupied HU | 9,395 (71.7%) |
| Renter Occupied HU | 3,225 (24.6%) |
| Vacant Housing Units | 484 ( 3.7%) |
| Median Home Value | $841,572 |
| Average Home Value | $884,246 |
Housing Distribution
Address Breakdown
Residential
12,387
Single Family
10,800
Multi-Family
1,587
Businesses
1,041
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 1989
N/A lot
$N/A/sqft
$155 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92065, Ramona, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,104 (100%) |
| Owner Occupied HU | 9,395 (71.7%) |
| Renter Occupied HU | 3,225 (24.6%) |
| Vacant Housing Units | 484 ( 3.7%) |
| Median Home Value | $841,572 |
| Average Home Value | $884,246 |
Housing Distribution
Address Breakdown
Residential
12,387
Single Family
10,800
Multi-Family
1,587
Businesses
1,041
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices