25031 PortsmouthMission ViejoCA92692
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 25031 Portsmouth, Mission Viejo, CA, 92692 in Mission Viejo at $1,499,900 earns $9,497/mo in rent and nets $115/mo after the $6,744/mo payment, a 7.6% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $414,395 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $13,814/yr in principal paydown, total projected return reaches $576,600.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $115 | $300 |
City averages based on Mission Viejo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,497 |
| Total Monthly Debt Service | $8,785 |
| DSCR Ratio | 1.08x |
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 1986
5,775 sqft lot
$N/A/sqft
$103 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92692, Mission Viejo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,377 (100%) |
| Owner Occupied HU | 13,423 (73.0%) |
| Renter Occupied HU | 4,436 (24.1%) |
| Vacant Housing Units | 518 ( 2.8%) |
| Median Home Value | $1,038,545 |
| Average Home Value | $1,120,905 |
Housing Distribution
Address Breakdown
Residential
18,244
Single Family
16,221
Multi-Family
2,023
Businesses
468
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
5,775 sqft lot
$N/A/sqft
$103 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92692, Mission Viejo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,377 (100%) |
| Owner Occupied HU | 13,423 (73.0%) |
| Renter Occupied HU | 4,436 (24.1%) |
| Vacant Housing Units | 518 ( 2.8%) |
| Median Home Value | $1,038,545 |
| Average Home Value | $1,120,905 |
Housing Distribution
Address Breakdown
Residential
18,244
Single Family
16,221
Multi-Family
2,023
Businesses
468
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices