3390 San Rafael RdBorrego SpringsCA92004
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3390 San Rafael Rd, Borrego Springs, CA, 92004 in Borrego Springs speaks for itself: 22.47% gross on a $139,900 price, generating $2,620/mo in rent and $1,704/mo in net income after the $629/mo debt service. DSCR 4.17, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $20,444 stacks alongside $38,652 in projected five-year appreciation and $1,288/yr in principal reduction. Projected total cumulative return: $162,952.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 22.5% | 6.0% |
| Monthly Cash Flow | $1,704 | $250 |
City averages based on Borrego Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,620 |
| Total Monthly Debt Service | $860 |
| DSCR Ratio | 3.05x |
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 1963
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92004, Borrego Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,999 (100%) |
| Owner Occupied HU | 1,242 (41.4%) |
| Renter Occupied HU | 388 (12.9%) |
| Vacant Housing Units | 1,369 (45.6%) |
| Median Home Value | $556,818 |
| Average Home Value | $811,886 |
Housing Distribution
Address Breakdown
Residential
222
Single Family
222
Multi-Family
0
Businesses
139
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 1963
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92004, Borrego Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,999 (100%) |
| Owner Occupied HU | 1,242 (41.4%) |
| Renter Occupied HU | 388 (12.9%) |
| Vacant Housing Units | 1,369 (45.6%) |
| Median Home Value | $556,818 |
| Average Home Value | $811,886 |
Housing Distribution
Address Breakdown
Residential
222
Single Family
222
Multi-Family
0
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices