23511 Carlow RdTorranceCA90505
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 23511 Carlow Rd, Torrance, CA, 90505 in Torrance is capital appreciation. Rental yield 4.8%. The 4.8% gross yield at $1,395,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $385,413 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.89) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $332,454.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 4.5% |
| Monthly Cash Flow | $(3,053) | $250 |
City averages based on Torrance market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,576 |
| Total Monthly Debt Service | $8,075 |
| DSCR Ratio | 0.69x |
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 1962
6,329 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90505, Torrance, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,524 (100%) |
| Owner Occupied HU | 7,733 (53.2%) |
| Renter Occupied HU | 6,166 (42.5%) |
| Vacant Housing Units | 625 ( 4.3%) |
| Median Home Value | $1,210,253 |
| Average Home Value | $1,250,787 |
Housing Distribution
Address Breakdown
Residential
14,591
Single Family
9,561
Multi-Family
5,030
Businesses
2,941
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 1962
6,329 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90505, Torrance, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,524 (100%) |
| Owner Occupied HU | 7,733 (53.2%) |
| Renter Occupied HU | 6,166 (42.5%) |
| Vacant Housing Units | 625 ( 4.3%) |
| Median Home Value | $1,210,253 |
| Average Home Value | $1,250,787 |
Housing Distribution
Address Breakdown
Residential
14,591
Single Family
9,561
Multi-Family
5,030
Businesses
2,941
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Frank Kenny • eXp Realty of Greater Los Angeles, Inc.
Mls Name: CRMLS
Mls ID: #SB25177331