256 Avenida MadridSan ClementeCA92672
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 256 Avenida Madrid, San Clemente, CA, 92672 in San Clemente worth study. Rental yield 3.66%. The 3.66% gross yield is below cash-flow benchmarks at $1,550,000, but 5% annual appreciation, adding $428,236 over five years, frames this as a capital growth position. Rent of $4,733/mo partially offsets the $6,970/mo payment. Ziffy Mortgage finances appreciation-play properties (0.68 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $275,232.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.5% |
| Monthly Cash Flow | $(4,856) | $2,500 |
City averages based on San Clemente market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,733 |
| Total Monthly Debt Service | $8,972 |
| DSCR Ratio | 0.53x |
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.
Multi Family
Built in 1948
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92672, San Clemente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,436 (100%) |
| Owner Occupied HU | 7,597 (43.6%) |
| Renter Occupied HU | 7,886 (45.2%) |
| Vacant Housing Units | 1,953 (11.2%) |
| Median Home Value | $1,510,683 |
| Average Home Value | $1,527,831 |
Housing Distribution
Address Breakdown
Residential
17,065
Single Family
13,709
Multi-Family
3,356
Businesses
1,348
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
Multi Family
Built in 1948
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92672, San Clemente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,436 (100%) |
| Owner Occupied HU | 7,597 (43.6%) |
| Renter Occupied HU | 7,886 (45.2%) |
| Vacant Housing Units | 1,953 (11.2%) |
| Median Home Value | $1,510,683 |
| Average Home Value | $1,527,831 |
Housing Distribution
Address Breakdown
Residential
17,065
Single Family
13,709
Multi-Family
3,356
Businesses
1,348
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christian Wach • Talavera Real Estate
Mls Name: CRMLS
Mls ID: #OC25123346