26552 Montecito LnMission ViejoCA92691
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 26552 Montecito Ln, Mission Viejo, CA, 92691 in Mission Viejo: $9,492/mo in rent, $2,039/mo in net income, 9.49% gross yield, 1.76 DSCR, all at $1,200,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $331,538 in appreciation and $11,052/yr in principal paydown projects total cumulative return of $586,289.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $2,039 | $300 |
City averages based on Mission Viejo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,492 |
| Total Monthly Debt Service | $6,976 |
| DSCR Ratio | 1.36x |
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 1971
4,940 sqft lot
$N/A/sqft
$30 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92691, Mission Viejo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,612 (100%) |
| Owner Occupied HU | 12,236 (73.7%) |
| Renter Occupied HU | 3,989 (24.0%) |
| Vacant Housing Units | 387 ( 2.3%) |
| Median Home Value | $959,969 |
| Average Home Value | $1,038,409 |
Housing Distribution
Address Breakdown
Residential
17,124
Single Family
15,961
Multi-Family
1,163
Businesses
1,582
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 1971
4,940 sqft lot
$N/A/sqft
$30 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92691, Mission Viejo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,612 (100%) |
| Owner Occupied HU | 12,236 (73.7%) |
| Renter Occupied HU | 3,989 (24.0%) |
| Vacant Housing Units | 387 ( 2.3%) |
| Median Home Value | $959,969 |
| Average Home Value | $1,038,409 |
Housing Distribution
Address Breakdown
Residential
17,124
Single Family
15,961
Multi-Family
1,163
Businesses
1,582
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices