3008 Serrano RdSan BernardinoCA92405
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3008 Serrano Rd, San Bernardino, CA, 92405 in San Bernardino speaks for itself: 10.42% gross on a $360,000 price, generating $3,125/mo in rent and $898/mo in net income after the $1,619/mo debt service. DSCR 1.93, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,773 stacks alongside $99,461 in projected five-year appreciation and $3,316/yr in principal reduction. Projected total cumulative return: $194,271.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 4.8% |
| Monthly Cash Flow | $898 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,125 |
| Total Monthly Debt Service | $2,084 |
| DSCR Ratio | 1.50x |
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 1948
10,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92405, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,649 (100%) |
| Owner Occupied HU | 4,573 (47.4%) |
| Renter Occupied HU | 4,731 (49.0%) |
| Vacant Housing Units | 345 ( 3.6%) |
| Median Home Value | $440,385 |
| Average Home Value | $461,102 |
Housing Distribution
Address Breakdown
Residential
9,347
Single Family
8,205
Multi-Family
1,142
Businesses
463
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 1948
10,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92405, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,649 (100%) |
| Owner Occupied HU | 4,573 (47.4%) |
| Renter Occupied HU | 4,731 (49.0%) |
| Vacant Housing Units | 345 ( 3.6%) |
| Median Home Value | $440,385 |
| Average Home Value | $461,102 |
Housing Distribution
Address Breakdown
Residential
9,347
Single Family
8,205
Multi-Family
1,142
Businesses
463
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices