310 E Philadelphia St SPACE 46OntarioCA91761
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 310 E Philadelphia St SPACE 46, Ontario, CA, 91761 in Ontario at $105,000 earns $810/mo in rent and nets $160/mo after the $472/mo payment, a 9.26% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $29,010 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $967/yr in principal paydown, total projected return reaches $50,175.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $160 | $1,500 |
City averages based on Ontario market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $810 |
| Total Monthly Debt Service | $608 |
| DSCR Ratio | 1.33x |
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.
Manufactured
Built in 1969
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91761, Ontario, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,119 (100%) |
| Owner Occupied HU | 14,290 (67.7%) |
| Renter Occupied HU | 6,168 (29.2%) |
| Vacant Housing Units | 661 ( 3.1%) |
| Median Home Value | $621,461 |
| Average Home Value | $617,077 |
Housing Distribution
Address Breakdown
Residential
20,126
Single Family
18,300
Multi-Family
1,826
Businesses
3,899
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
Manufactured
Built in 1969
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91761, Ontario, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,119 (100%) |
| Owner Occupied HU | 14,290 (67.7%) |
| Renter Occupied HU | 6,168 (29.2%) |
| Vacant Housing Units | 661 ( 3.1%) |
| Median Home Value | $621,461 |
| Average Home Value | $617,077 |
Housing Distribution
Address Breakdown
Residential
20,126
Single Family
18,300
Multi-Family
1,826
Businesses
3,899
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elda Gomez • ACTION MOBILE HOMES
Mls Name: NY State MLS
Mls ID: #11617703