31708 Settlers RdWinchesterCA92596
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 31708 Settlers Rd, Winchester, CA, 92596 in Winchester at $749,000, 5.93% gross yield, is a market-growth asset. Rental yield 5.93%. The $3,703/mo rent partially funds the $3,368/mo debt service; the core return is the 5%/yr price growth projected to add $206,935 over five years. Ziffy Mortgage's DSCR mortgage (1.10) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $224,148.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.0% |
| Monthly Cash Flow | $(970) | $1,200 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,703 |
| Total Monthly Debt Service | $4,335 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
7,893 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
7,893 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
Listed by: NYLA STERLING • TRI POINTE HOMES HOLDINGS, INC.
Mls Name: CRMLS
Mls ID: #IV26033584