30556 Vera CruzWinchesterCA92596
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 30556 Vera Cruz, Winchester, CA, 92596 in Winchester. Priced at $555,990, it generates $5,632/mo in gross rent and $2,192/mo in net monthly cash flow, a 12.15% yield that comfortably supports the 2.25 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $26,306. Five-year appreciation: $153,610. Equity from principal paydown: $5,121/yr. Total projected cumulative return: $351,905.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.0% |
| Monthly Cash Flow | $2,192 | $1,200 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,632 |
| Total Monthly Debt Service | $3,218 |
| DSCR Ratio | 1.75x |
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 2024
5,191 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92596, Winchester, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,586 (100%) |
| Owner Occupied HU | 10,657 (84.7%) |
| Renter Occupied HU | 1,426 (11.3%) |
| Vacant Housing Units | 503 ( 4.0%) |
| Median Home Value | $647,281 |
| Average Home Value | $684,291 |
Housing Distribution
Address Breakdown
Residential
10,908
Single Family
10,671
Multi-Family
237
Businesses
203
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 2024
5,191 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92596, Winchester, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,586 (100%) |
| Owner Occupied HU | 10,657 (84.7%) |
| Renter Occupied HU | 1,426 (11.3%) |
| Vacant Housing Units | 503 ( 4.0%) |
| Median Home Value | $647,281 |
| Average Home Value | $684,291 |
Housing Distribution
Address Breakdown
Residential
10,908
Single Family
10,671
Multi-Family
237
Businesses
203
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices