34532 Calle PortolaDana PtCA92624
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 34532 Calle Portola, Dana Pt, CA, 92624 in Dana Pt is narrow, $71/mo net on $7,494/mo rent after the $5,396/mo debt service, but the property operates at break-even-plus, not a loss. At $1,199,900 with a 7.49% yield, the long-run equity case via 5% appreciation ($331,510 over five years) and $11,051/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: $459,560.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.5% |
| Monthly Cash Flow | $71 | $300 |
City averages based on Dana Pt market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,494 |
| Total Monthly Debt Service | $6,945 |
| 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 1962
6,080 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92624, Capistrano Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,361 (100%) |
| Owner Occupied HU | 1,865 (55.5%) |
| Renter Occupied HU | 1,080 (32.1%) |
| Vacant Housing Units | 416 (12.4%) |
| Median Home Value | $1,249,602 |
| Average Home Value | $1,285,326 |
Housing Distribution
Address Breakdown
Residential
3,043
Single Family
2,985
Multi-Family
58
Businesses
399
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
6,080 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92624, Capistrano Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,361 (100%) |
| Owner Occupied HU | 1,865 (55.5%) |
| Renter Occupied HU | 1,080 (32.1%) |
| Vacant Housing Units | 416 (12.4%) |
| Median Home Value | $1,249,602 |
| Average Home Value | $1,285,326 |
Housing Distribution
Address Breakdown
Residential
3,043
Single Family
2,985
Multi-Family
58
Businesses
399
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices