28395 Matador RdWinchesterCA92596
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.09% yield at 28395 Matador Rd, Winchester, CA, 92596 in Winchester is solid, but the $2,401/mo payment compresses net cash flow to $177/mo at $533,990. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $147,532 by year five, and $4,918/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $214,396.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $177 | $1,200 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,600 |
| Total Monthly Debt Service | $3,211 |
| DSCR Ratio | 1.12x |
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 2024
4,325 sqft lot
$N/A/sqft
$120 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92596, Winchester, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,586 (100%) |
| Owner Occupied HU | 10,657 (84.7%) |
| Renter Occupied HU | 1,426 (11.3%) |
| Vacant Housing Units | 503 ( 4.0%) |
| Median Home Value | $647,281 |
| Average Home Value | $684,291 |
Housing Distribution
Address Breakdown
Residential
10,908
Single Family
10,671
Multi-Family
237
Businesses
203
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 2024
4,325 sqft lot
$N/A/sqft
$120 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92596, Winchester, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,586 (100%) |
| Owner Occupied HU | 10,657 (84.7%) |
| Renter Occupied HU | 1,426 (11.3%) |
| Vacant Housing Units | 503 ( 4.0%) |
| Median Home Value | $647,281 |
| Average Home Value | $684,291 |
Housing Distribution
Address Breakdown
Residential
10,908
Single Family
10,671
Multi-Family
237
Businesses
203
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices