2438 E Vista Way E #23VistaCA92084
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 2438 E Vista Way E #23, Vista, CA, 92084 in Vista speaks for itself: 28.63% gross on a $199,500 price, generating $4,759/mo in rent and $3,295/mo in net income after the $897/mo debt service. DSCR 5.31, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $39,541 stacks alongside $55,118 in projected five-year appreciation and $1,837/yr in principal reduction. Projected total cumulative return: $288,711.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 28.6% | 6.0% |
| Monthly Cash Flow | $3,295 | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,759 |
| Total Monthly Debt Service | $1,385 |
| DSCR Ratio | 3.44x |
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.
Condo
Built in 1963
N/A lot
$N/A/sqft
$230 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
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
Condo
Built in 1963
N/A lot
$N/A/sqft
$230 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices