2738 Emerald Bay DrRialtoCA92377
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 2738 Emerald Bay Dr, Rialto, CA, 92377 in Rialto at $658,980. Rental yield 7.03%. The 7.03% yield and 1.30 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $182,064 by year five, and $6,069/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $219,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.0% |
| Monthly Cash Flow | $(495) | $1,500 |
City averages based on Rialto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,862 |
| Total Monthly Debt Service | $4,094 |
| DSCR Ratio | 0.94x |
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.
Single Family
Built in 2025
4,000 sqft lot
$N/A/sqft
$280 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92377, Rialto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,252 (100%) |
| Owner Occupied HU | 5,435 (86.9%) |
| Renter Occupied HU | 724 (11.6%) |
| Vacant Housing Units | 93 ( 1.5%) |
| Median Home Value | $588,299 |
| Average Home Value | $594,580 |
Housing Distribution
Address Breakdown
Residential
6,001
Single Family
5,856
Multi-Family
145
Businesses
413
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 2025
4,000 sqft lot
$N/A/sqft
$280 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92377, Rialto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,252 (100%) |
| Owner Occupied HU | 5,435 (86.9%) |
| Renter Occupied HU | 724 (11.6%) |
| Vacant Housing Units | 93 ( 1.5%) |
| Median Home Value | $588,299 |
| Average Home Value | $594,580 |
Housing Distribution
Address Breakdown
Residential
6,001
Single Family
5,856
Multi-Family
145
Businesses
413
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices