31332 Sycamore Leaf DrWinchesterCA92596
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 31332 Sycamore Leaf Dr, Winchester, CA, 92596 in Winchester is narrow, $39/mo net on $4,140/mo rent after the $2,981/mo debt service, but the property operates at break-even-plus, not a loss. At $662,990 with a 7.49% yield, the long-run equity case via 5% appreciation ($183,172 over five years) and $6,106/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $253,901.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $39 | $1,200 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,140 |
| Total Monthly Debt Service | $3,838 |
| DSCR Ratio | 1.08x |
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
5,000 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
5,000 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