322 Spruce LnBig Bear CityCA92386
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 322 Spruce Ln, Big Bear City, CA, 92386 in Big Bear City: $4,219/mo in rent, $1,964/mo net, 13.89% gross yield, all on a $364,500 acquisition. The 2.57 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $100,705 in value, and $3,357/yr in principal paydown steadily builds equity. Projected total cumulative return: $264,640.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.9% | 8.0% |
| Monthly Cash Flow | $1,964 | $300 |
City averages based on Big Bear City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,219 |
| Total Monthly Debt Service | $2,110 |
| DSCR Ratio | 2.00x |
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 1962
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92386, Sugarloaf, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,172 (100%) |
| Owner Occupied HU | 794 (25.0%) |
| Renter Occupied HU | 370 (11.7%) |
| Vacant Housing Units | 2,008 (63.3%) |
| Median Home Value | $431,977 |
| Average Home Value | $518,552 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
23
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 1962
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92386, Sugarloaf, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,172 (100%) |
| Owner Occupied HU | 794 (25.0%) |
| Renter Occupied HU | 370 (11.7%) |
| Vacant Housing Units | 2,008 (63.3%) |
| Median Home Value | $431,977 |
| Average Home Value | $518,552 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices