290 W 11th StSan BernardinoCA92410
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 290 W 11th St, San Bernardino, CA, 92410 in San Bernardino. Rental yield 5.22%. At $625,000 with 5.22% gross yield, current distributions are modest, but the 5% appreciation rate projects $172,676 in new equity by year five, complemented by $5,756/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.97) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $163,114.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 4.8% |
| Monthly Cash Flow | $(1,148) | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,718 |
| Total Monthly Debt Service | $3,618 |
| DSCR Ratio | 0.75x |
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.
Multi Family
Built in 1926
4,100 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92410, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,442 (100%) |
| Owner Occupied HU | 6,100 (42.2%) |
| Renter Occupied HU | 7,846 (54.3%) |
| Vacant Housing Units | 496 ( 3.4%) |
| Median Home Value | $304,992 |
| Average Home Value | $347,184 |
Housing Distribution
Address Breakdown
Residential
14,196
Single Family
11,534
Multi-Family
2,662
Businesses
1,055
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
Multi Family
Built in 1926
4,100 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92410, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,442 (100%) |
| Owner Occupied HU | 6,100 (42.2%) |
| Renter Occupied HU | 7,846 (54.3%) |
| Vacant Housing Units | 496 ( 3.4%) |
| Median Home Value | $304,992 |
| Average Home Value | $347,184 |
Housing Distribution
Address Breakdown
Residential
14,196
Single Family
11,534
Multi-Family
2,662
Businesses
1,055
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patricia Laughery • Journey Real Estate
Mls Name: CRMLS
Mls ID: #TR25219339