28857 Old Highway 80 #9Pine ValleyCA91962
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 28857 Old Highway 80 #9, Pine Valley, CA, 91962 in Pine Valley: $2,200/mo in rent, $218/mo in net income, 10.56% gross yield, 1.96 DSCR, all at $250,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $69,070 in appreciation and $2,303/yr in principal paydown projects total cumulative return of $110,809.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 5.0% |
| Monthly Cash Flow | $218 | $200 |
City averages based on Pine Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,200 |
| Total Monthly Debt Service | $1,882 |
| DSCR Ratio | 1.17x |
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.
Condo
Built in 1959
2.77 Acres lot
$N/A/sqft
$400 monthly 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
Condo
Built in 1959
2.77 Acres lot
$N/A/sqft
$400 monthly 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: Talyssa K D'avila • LPT Realty,Inc
Mls Name: SDMLS
Mls Provider:
Mls ID: #250029406
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