3017 Pepper StHighlandCA92346
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3017 Pepper St, Highland, CA, 92346 in Highland speaks for itself: 11.99% gross on a $587,000 price, generating $5,863/mo in rent and $2,232/mo in net income after the $2,640/mo debt service. DSCR 2.22, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $26,783 stacks alongside $162,177 in projected five-year appreciation and $5,406/yr in principal reduction. Projected total cumulative return: $366,155.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 5.0% |
| Monthly Cash Flow | $2,232 | $1,500 |
City averages based on Highland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,863 |
| Total Monthly Debt Service | $3,398 |
| DSCR Ratio | 1.73x |
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 1980
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92346, Highland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,777 (100%) |
| Owner Occupied HU | 12,349 (65.8%) |
| Renter Occupied HU | 5,857 (31.2%) |
| Vacant Housing Units | 571 ( 3.0%) |
| Median Home Value | $535,073 |
| Average Home Value | $542,183 |
Housing Distribution
Address Breakdown
Residential
18,431
Single Family
17,459
Multi-Family
972
Businesses
760
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 1980
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92346, Highland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,777 (100%) |
| Owner Occupied HU | 12,349 (65.8%) |
| Renter Occupied HU | 5,857 (31.2%) |
| Vacant Housing Units | 571 ( 3.0%) |
| Median Home Value | $535,073 |
| Average Home Value | $542,183 |
Housing Distribution
Address Breakdown
Residential
18,431
Single Family
17,459
Multi-Family
972
Businesses
760
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices