3466 Orchid Dr ESan BernardinoCA92346
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis San Bernardino rental at 3466 Orchid Dr E, San Bernardino, CA, 92346 sits in the solid-income band: 8.68% gross yield, $4,812/mo rent, $694/mo net after the $2,993/mo debt service, DSCR 1.61. Entry price of $665,627 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $183,900 and $6,130/yr in principal reduction bring total cumulative return to $297,103.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 4.8% |
| Monthly Cash Flow | $694 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,812 |
| Total Monthly Debt Service | $3,853 |
| DSCR Ratio | 1.25x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92346, Highland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,777 (100%) |
| Owner Occupied HU | 12,349 (65.8%) |
| Renter Occupied HU | 5,857 (31.2%) |
| Vacant Housing Units | 571 ( 3.0%) |
| Median Home Value | $535,073 |
| Average Home Value | $542,183 |
Housing Distribution
Address Breakdown
Residential
18,431
Single Family
17,459
Multi-Family
972
Businesses
760
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92346, Highland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,777 (100%) |
| Owner Occupied HU | 12,349 (65.8%) |
| Renter Occupied HU | 5,857 (31.2%) |
| Vacant Housing Units | 571 ( 3.0%) |
| Median Home Value | $535,073 |
| Average Home Value | $542,183 |
Housing Distribution
Address Breakdown
Residential
18,431
Single Family
17,459
Multi-Family
972
Businesses
760
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Richmond American Homes
Mls Name: Richmond Homes
Mls Provider:
Mls ID: #N/A