35173 Rincon Springs RdPauma ValleyCA92061
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 35173 Rincon Springs Rd, Pauma Valley, CA, 92061 in Pauma Valley speaks for itself: 11.09% gross on a $839,999 price, generating $7,764/mo in rent and $2,568/mo in net income after the $3,777/mo debt service. DSCR 2.06, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $30,811 stacks alongside $232,076 in projected five-year appreciation and $7,736/yr in principal reduction. Projected total cumulative return: $483,722.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.0% |
| Monthly Cash Flow | $2,568 | $1,200 |
City averages based on Pauma Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,764 |
| Total Monthly Debt Service | $4,862 |
| DSCR Ratio | 1.60x |
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 1961
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92061, Pauma Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,110 (100%) |
| Owner Occupied HU | 724 (65.2%) |
| Renter Occupied HU | 270 (24.3%) |
| Vacant Housing Units | 116 (10.5%) |
| Median Home Value | $899,752 |
| Average Home Value | $923,788 |
Housing Distribution
Address Breakdown
Residential
524
Single Family
524
Multi-Family
0
Businesses
80
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 1961
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92061, Pauma Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,110 (100%) |
| Owner Occupied HU | 724 (65.2%) |
| Renter Occupied HU | 270 (24.3%) |
| Vacant Housing Units | 116 (10.5%) |
| Median Home Value | $899,752 |
| Average Home Value | $923,788 |
Housing Distribution
Address Breakdown
Residential
524
Single Family
524
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices