34609 Highway 94CampoCA91906
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 34609 Highway 94, Campo, CA, 91906 in Campo is capital appreciation. Rental yield 5.55%. The 5.55% gross yield at $550,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $151,955 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.03) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $153,258.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(859) | $1,500 |
City averages based on Campo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,543 |
| Total Monthly Debt Service | $3,184 |
| DSCR Ratio | 0.80x |
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 1930
27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91906, Campo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,410 (100%) |
| Owner Occupied HU | 981 (69.6%) |
| Renter Occupied HU | 332 (23.5%) |
| Vacant Housing Units | 97 ( 6.9%) |
| Median Home Value | $365,102 |
| Average Home Value | $495,849 |
Housing Distribution
Address Breakdown
Residential
1,288
Single Family
1,288
Multi-Family
0
Businesses
90
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 1930
27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91906, Campo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,410 (100%) |
| Owner Occupied HU | 981 (69.6%) |
| Renter Occupied HU | 332 (23.5%) |
| Vacant Housing Units | 97 ( 6.9%) |
| Median Home Value | $365,102 |
| Average Home Value | $495,849 |
Housing Distribution
Address Breakdown
Residential
1,288
Single Family
1,288
Multi-Family
0
Businesses
90
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alejandro Ibarra • CA-RES
Mls Name: CRMLS
Mls ID: #PTP2506515