28765 Old Highway 80Pine ValleyCA91962
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $550,000, 28765 Old Highway 80, Pine Valley, CA, 91962 in Pine Valley generates $3,420/mo in rent (7.46% yield) but nets only $18/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.38) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $151,955. Total projected return: $209,718.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.0% |
| Monthly Cash Flow | $18 | $200 |
City averages based on Pine Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,420 |
| Total Monthly Debt Service | $3,184 |
| DSCR Ratio | 1.07x |
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 2000
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91962, Pine Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,092 (100%) |
| Owner Occupied HU | 665 (60.9%) |
| Renter Occupied HU | 160 (14.7%) |
| Vacant Housing Units | 267 (24.5%) |
| Median Home Value | $753,277 |
| Average Home Value | $755,786 |
Housing Distribution
Address Breakdown
Residential
57
Single Family
57
Multi-Family
0
Businesses
74
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 2000
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91962, Pine Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,092 (100%) |
| Owner Occupied HU | 665 (60.9%) |
| Renter Occupied HU | 160 (14.7%) |
| Vacant Housing Units | 267 (24.5%) |
| Median Home Value | $753,277 |
| Average Home Value | $755,786 |
Housing Distribution
Address Breakdown
Residential
57
Single Family
57
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Garrison • Keller Williams Realty
Mls Name: ICAOR
Mls ID: #25631295IC