31912 Birchwood DrLake ElsinoreCA92532
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 31912 Birchwood Dr, Lake Elsinore, CA, 92532 in Lake Elsinore. At $710,000 it earns $5,876/mo in rent and distributes $1,290/mo to the owner after the $3,193/mo payment, a consistent 9.93% yield. DSCR 1.84 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $196,160 in value; $6,539/yr in principal paydown compounds ownership stake. Total projected return: $353,037.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 7.0% |
| Monthly Cash Flow | $1,290 | $250 |
City averages based on Lake Elsinore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,876 |
| Total Monthly Debt Service | $4,304 |
| DSCR Ratio | 1.37x |
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 2003
8,276 sqft lot
$N/A/sqft
$130 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92532, Lake Elsinore, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,273 (100%) |
| Owner Occupied HU | 6,172 (74.6%) |
| Renter Occupied HU | 1,840 (22.2%) |
| Vacant Housing Units | 261 ( 3.2%) |
| Median Home Value | $612,722 |
| Average Home Value | $629,523 |
Housing Distribution
Address Breakdown
Residential
7,922
Single Family
7,573
Multi-Family
349
Businesses
217
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 2003
8,276 sqft lot
$N/A/sqft
$130 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92532, Lake Elsinore, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,273 (100%) |
| Owner Occupied HU | 6,172 (74.6%) |
| Renter Occupied HU | 1,840 (22.2%) |
| Vacant Housing Units | 261 ( 3.2%) |
| Median Home Value | $612,722 |
| Average Home Value | $629,523 |
Housing Distribution
Address Breakdown
Residential
7,922
Single Family
7,573
Multi-Family
349
Businesses
217
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices