28963 Rocky PassPine ValleyCA91962
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 28963 Rocky Pass, Pine Valley, CA, 91962 in Pine Valley delivers $3,989/mo in gross rent and $254/mo in net monthly income at a $547,000 entry. The 8.75% yield and 1.62 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $151,126 over five years and $5,038/yr in equity from loan paydown, total projected return is $225,293.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.0% |
| Monthly Cash Flow | $254 | $200 |
City averages based on Pine Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,989 |
| Total Monthly Debt Service | $3,517 |
| 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 1990
2.07 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 1990
2.07 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