305 Spencer Ave #125UplandCA91786








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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


Investment Highlights
Rental property for sale in Upland at 305 Spencer Ave #125, Upland, CA, 91786 generates $2,902/mo in rent and, after a $2,129/mo payment, leaves $211/mo in cash flow. Total monthly income is $2,902/mo, and annual cash flow is $2,533/yr on $144,203 invested. Return on cash invested sits at 21.67% in year one, and rental yield is 8.01% on a $435,000 entry. Equity gained on principal adds $2,807/yr, while 5% annual appreciation builds toward $120,182 over five years. Five-year ROI reaches 112.28% and total cumulative return in cash sums $161,916. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $2,902/mo property income rather than buyer’s personal income.
Condo
Built in 1974
994 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
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Listed by: Christine Kfoury • Real Broker
Mls Name: CRMLS
Mls ID: #OC25173077








