2649 Twain Dr APT 10San BernardinoCA92407
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2649 Twain Dr APT 10, San Bernardino, CA, 92407 in San Bernardino. Priced at $259,999, it generates $3,082/mo in gross rent and $1,030/mo in net monthly cash flow, a 14.22% yield that comfortably supports the 2.64 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,361. Five-year appreciation: $71,833. Equity from principal paydown: $2,395/yr. Total projected cumulative return: $166,893.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.2% | 4.8% |
| Monthly Cash Flow | $1,030 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,082 |
| Total Monthly Debt Service | $1,948 |
| DSCR Ratio | 1.58x |
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 1984
N/A lot
$N/A/sqft
$345 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92407, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,426 (100%) |
| Owner Occupied HU | 12,106 (59.3%) |
| Renter Occupied HU | 7,110 (34.8%) |
| Vacant Housing Units | 1,210 ( 5.9%) |
| Median Home Value | $554,982 |
| Average Home Value | $568,602 |
Housing Distribution
Address Breakdown
Residential
19,278
Single Family
16,561
Multi-Family
2,717
Businesses
499
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 1984
N/A lot
$N/A/sqft
$345 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92407, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,426 (100%) |
| Owner Occupied HU | 12,106 (59.3%) |
| Renter Occupied HU | 7,110 (34.8%) |
| Vacant Housing Units | 1,210 ( 5.9%) |
| Median Home Value | $554,982 |
| Average Home Value | $568,602 |
Housing Distribution
Address Breakdown
Residential
19,278
Single Family
16,561
Multi-Family
2,717
Businesses
499
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices