35025 El Dorado StLucerne ValleyCA92356
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 35025 El Dorado St, Lucerne Valley, CA, 92356 in Lucerne Valley: $2,675/mo in rent, $664/mo in net income, 9.88% gross yield, 1.83 DSCR, all at $325,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $89,792 in appreciation and $2,993/yr in principal paydown projects total cumulative return of $166,074.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.0% |
| Monthly Cash Flow | $664 | $1,500 |
City averages based on Lucerne Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,675 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 1.42x |
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 1989
1.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92356, Lucerne Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,035 (100%) |
| Owner Occupied HU | 1,513 (49.9%) |
| Renter Occupied HU | 675 (22.2%) |
| Vacant Housing Units | 847 (27.9%) |
| Median Home Value | $226,934 |
| Average Home Value | $287,074 |
Housing Distribution
Address Breakdown
Residential
1,758
Single Family
1,758
Multi-Family
0
Businesses
164
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 1989
1.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92356, Lucerne Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,035 (100%) |
| Owner Occupied HU | 1,513 (49.9%) |
| Renter Occupied HU | 675 (22.2%) |
| Vacant Housing Units | 847 (27.9%) |
| Median Home Value | $226,934 |
| Average Home Value | $287,074 |
Housing Distribution
Address Breakdown
Residential
1,758
Single Family
1,758
Multi-Family
0
Businesses
164
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donald Staff • Oasis Realty Group Inc
Mls Name: CRMLS
Mls ID: #HD25164210