355 S Stoddard AveSan BernardinoCA92401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis San Bernardino rental at 355 S Stoddard Ave, San Bernardino, CA, 92401 sits in the solid-income band: 9.55% gross yield, $1,421/mo rent, $317/mo net after the $803/mo debt service, DSCR 1.77. Entry price of $178,500 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 $49,316 and $1,644/yr in principal reduction bring total cumulative return to $88,075.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 4.8% |
| Monthly Cash Flow | $317 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,421 |
| Total Monthly Debt Service | $1,033 |
| DSCR Ratio | 1.38x |
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.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92401, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 605 (100%) |
| Owner Occupied HU | 90 (14.9%) |
| Renter Occupied HU | 469 (77.5%) |
| Vacant Housing Units | 46 ( 7.6%) |
| Median Home Value | $310,256 |
| Average Home Value | $396,417 |
Housing Distribution
Address Breakdown
Residential
714
Single Family
338
Multi-Family
376
Businesses
530
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
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92401, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 605 (100%) |
| Owner Occupied HU | 90 (14.9%) |
| Renter Occupied HU | 469 (77.5%) |
| Vacant Housing Units | 46 ( 7.6%) |
| Median Home Value | $310,256 |
| Average Home Value | $396,417 |
Housing Distribution
Address Breakdown
Residential
714
Single Family
338
Multi-Family
376
Businesses
530
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11878274