2657 Payson DrJulianCA92036
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 2657 Payson Dr, Julian, CA, 92036 in Julian is listed at $719,000 and delivers $4,698/mo in rent and $250/mo in net monthly cash flow. The 7.84% yield and 1.45 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $198,646 over five years, and $6,622/yr in principal reduction supplements cash return. Total projected cumulative return: $288,757.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $250 | $700 |
City averages based on Julian market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,698 |
| Total Monthly Debt Service | $4,162 |
| DSCR Ratio | 1.13x |
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 1991
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92036, Julian, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,413 (100%) |
| Owner Occupied HU | 1,245 (51.6%) |
| Renter Occupied HU | 422 (17.5%) |
| Vacant Housing Units | 746 (30.9%) |
| Median Home Value | $736,158 |
| Average Home Value | $899,048 |
Housing Distribution
Address Breakdown
Residential
564
Single Family
562
Multi-Family
2
Businesses
193
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 1991
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92036, Julian, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,413 (100%) |
| Owner Occupied HU | 1,245 (51.6%) |
| Renter Occupied HU | 422 (17.5%) |
| Vacant Housing Units | 746 (30.9%) |
| Median Home Value | $736,158 |
| Average Home Value | $899,048 |
Housing Distribution
Address Breakdown
Residential
564
Single Family
562
Multi-Family
2
Businesses
193
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SDMLS
Mls ID: #260003288